Results for Defined Contribution

IRS issues 2017 cumulative list of changes in plan qualification requirements in Notice 2017-37. Also, the IRS combines master and prototype, volume submitter programs into new opinion letter program in Rev. Proc. 2017-41.

Environmental, Social and Governance (ESG) investing is garnering attention in Defined Contribution (DC) Plans due to participant demand. As a …

Defined Contribution Key Trends By: Steven Dufault, CIMA®, Defined Contribution Practice Leader, Senior Consultant Plan Sponsors have made great strides developing a wide range of benefits to improve employee fiscal health and well-being. New and enhanced benefits range from 529 college savings plans and assistance with student loan debt to health savings accounts and retiree distribution and tax planning services. Among the key factors that have…

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NAPA has released its list of the nation's top defined contribution advisor, multi-office firms.

Defined Contribution in Review is a quarterly report designed to help retirement advisors, CEOs, CFOs, Treasurers, Human Resource and Benefits Professionals and Investment Committees stay abreast of recent events that could have an impact on plans or plan participants.

Plan sponsors are risk-averse, so 401(k) advisers should highlight the benefits of new concepts while trying to minimize the risk, work and costs.

Under guidance released on Friday, qualified defined contribution plans will be allowed to provide lifetime income to plan participants by offering funds including deferred annuities among their assets, even if some of the funds are available only to older plan participants (Notice 2014-66). In the notice, the IRS explained how

Ideas for plan sponsors that can help employees get the most from their retirement plans.

Unlike defined benefit pensions that provide participants with steady benefits for as long as they live, 401(k) plans and Individual Retirement Accounts (IRAs) provide little guidance on how to turn accumulated assets into income. As a result, retirees have to decide how much to withdraw each year and face the risk of either spending too quickly and outliving their resources or spending too conservatively and consuming…

Colin Clark discusses ESG's role in defined contribution plans with Megan Fielding from Nuveen.

The Pension Protection Act, which was passed in 2006, produced significant progress in helping many more people become better financially prepared for retirement...

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The problem of ensuring steady, predicable retirement income is increasingly problematic as the baby boomer generation leaves the workforce along with the rise of the defined-contribution plan. In [ Improving the Defined-Contribution System ][1], published in the Spring 2017 issue of The Journal of Retirement , Aron Szapiro of Morningstar examines how the U.S. defined-contribution system compares with six other countries, including Chile…

The paper says professional help with retirement plans is crucial.

The bear market is challenging defined contribution (DC) plan sponsors to reinforce timeless investing principles while also conveying new rules that bring relief to participants. Good communication practices are a key ingredient to achieving success in both these areas.

Small businesses owners should conduct an annual assessment of their personal finances. Owners of small businesses have much the same concerns as everyone else, except they are personally responsible for the fortunes of their enterprise. In a sense, a small business is like a family. And these are important families in American economic life. After all, small business is vital to the U.S. economy, employing half…

Small business owners should conduct an annual assessment of their personal finances. Owners of small businesses have much the same concerns as everyone else, except they are personally responsible for the fortunes of their enterprise. In a sense, a small business is like a family. And these are important families in American economic life. After all, small business is vital to the U.S. economy, employing half…

Congratulations on getting a new job! Along with the excitement, there are lots of decisions to be made regarding new benefits, and maybe even relocation. According to a 2017 SHRM Employee Benefits survey, most organizations offer defined contribution plans to help employees save and plan for retirement. Ninety percent offer a traditional 401(k) or similar …

Defined contribution plan sponsors may want to revisit how their plan documents' define "compensation" for employee-deferral and employer-matching contributions—and how that definition (or definitions) affects employee participation and savings rates.

Industry vet says the future lies in retail, with baby boomers retiring and workers being moved to defined contribution plans away from pensions.