401(k) Plans Archives - Page 4 of 6

401(k) Hardship Withdrawals: No More Six-Month Contribution Suspensions

Lois Gleason, CEBS

24 Oct 201922 Oct 2019

In September 2019, the Internal Revenue Service (IRS) and Department of Treasury issued final regulations easing restrictions on hardship distributions from defined contribution retirement plans. While there were a number of important changes in the regulations, this blog focuses on changes regarding […]

401(k) Plans Defined Contribution (DC) Plans Employee Benefits Financial Education Retirement

The State of Defined Contribution Retirement Plans

Justin Held, CEBS

10 Sep 201910 Sep 2019

The number of organizations offering defined contribution (DC) retirement plans has held steady over the past two years (68.1%), making them the primary retirement vehicle for an increasing share of the U.S. workforce. From a worker perspective, DC plans have a number […]

401(k) Plans Defined Contribution (DC) Plans Employee Benefits Financial Education Financial Wellness Investments Retirement

Three Steps to Reduce Plan Costs and Improve Retirement Security

Robbie Hartman, CEBS

21 Aug 201921 Aug 2019

Plan sponsors have long provided education on the magic of compound interest as a powerful force for retirement readiness. But most plan members—and even many plan sponsors—forget about the flip side of that coin: the long-term impact of compounding costs from investment […]

401(k) Plans Employee Benefits Financial Education Financial Wellness Retirement Talking Benefits Podcast

Financial Education Goes Beyond 401(k)

Anne Patterson

29 Apr 201929 Apr 2019

Each month on Talking Benefits, I join Julie Stich, Kelli Kolsrud and Justin Held, International Foundation benefits nerdthusiasts, to discuss a trending employee benefits topic we think our listeners want to know more about. April is financial literacy month in the U.S. and, […]

401(k) Plans Employee Benefits Financial Education Financial Wellness

New Twist to Student Loan Repayment Benefits: Linking to a 401(k)

Jenny Gartman, CEBS

01 Oct 201811 Jul 2019

Student loan repayment benefits have been a hot topic in the news over the past few years, and a recent IRS private letter ruling has the benefit back in the spotlight. Here’s what you need to know about the two types of […]

Connecting Lost Participants to Retirement Accounts

401(k) Plans Employee Benefits Retirement

Connecting Missing Participants to Retirement Accounts

Lois Gleason, CEBS

15 May 2018

Plan administrators trying to terminate defined contribution retirement plans often find themselves between a rock and a hard place. The Department of Labor (DOL) requires they diligently search for and pay all participants and beneficiaries entitled to benefits. However, participants are not […]

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Employees Aren’t Saving. What’s a Plan Sponsor to Do?

Staff

27 Mar 2018

Americans aren’t saving enough for retirement. This is not a news flash. In fact, almost every day I see a new headline pointing out the problem. While their angles vary (I remain unsold on the fact that avocado toast is the culprit), […]

4 Tips to Improve Your Employees' Retirement Security

401(k) Plans Behavioral Decision Making Communication Defined Contribution (DC) Plans Employee Benefits Financial Education Financial Wellness National Employee Benefits Day

4 Tips to Increase Your Employees’ Retirement Security

Staff

20 Mar 201821 Mar 2018

Wondering why your communication isn’t more effective in helping workers make better financial decisions? Or what you can do differently to encourage employees to improve their retirement security? This National Employee Benefits Day—celebrated on April 2, 2018—we are encouraging plan sponsors to […]

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How Tax Reform Could Impact Employee Benefits

Lois Gleason, CEBS

21 Dec 201721 Jan 2019

The U.S. Senate and House have passed the Tax Cuts and Jobs Act. President Trump is expected to sign the tax reform bill into law soon. How would employee benefits be affected under the law? Not changing Let’s start with what would […]

401(k) Plans Employee Benefits Financial Education Retirement

How to Increase 401(k) Participation With Automatic Enrollment

Anne Newhouse, CEBS

20 Nov 201720 Nov 2017

One of the great tools available to employers is automatic enrollment to increase participation in the 401(k) plan. The Pension Protection Act (PPA) was signed in 2006, encouraging employers to improve their plans and make it easier for employees to save through […]