Retirement Archives - Word on Benefits

17 Tips for 401(k) Loan Program Design

Jenny Gartman, CEBS

12 Dec 202412 Dec 2024

Many 401(k) plans allow participants to take out loans from their individual 401(k) account. According to Employee Benefits Survey: 2024 Results, 81% of corporate employer plans offered a 401(k) loan provision. While loan options provide flexibility for those hesitant to contribute to […]

401(k) Plans Compliance Defined Contribution (DC) Plans DOL Employee Benefits Legislative Regulatory Retirement SECURE 2.0 U.S.

SECURE 2.0 Act: What’s Coming in 2025?

Amanda Wilke, CEBS

19 Nov 202419 Nov 2024

The SECURE 2.0 Act of 2022 (SECURE 2.0) encompasses several changes affecting retirement plans that go into effect over the next few years. SECURE 2.0 aims to make it easier for employers to offer retirement plans and help employees plan for the […]

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CAPSA Guidelines: A Comprehensive Overview of Pension Plans

Eli Argueta

14 Oct 202414 Oct 2024

On September 9, the Canadian Association of Pension Supervisory Authorities (CAPSA) released new guidance aimed at providing an update on the design, operation and administration of capital accumulation plans (CAPs). CAPs include defined contribution pensions, Registered Retirement Savings Plans (RRSPs), Tax-Free Savings […]

401(k) Plans Employee Benefits Retirement U.S.

Top Reasons for 401(k) Loans

Jenny Gartman, CEBS

04 Sep 202404 Sep 2024

Many 401(k) plans allow participants to take out loans from their individual 401(k) account. According to Employee Benefits Survey: 2024 Survey Report, 81% of corporate employer plans offered a 401(k) loan provision. While loan options provide flexibility for those tentative to contribute […]

401(k) Plans Employee Benefits Financial Education (U.S.) Retirement U.S.

Employee Retirement Security Awareness

Amanda Wilke, CEBS

28 Aug 202428 Aug 2024

Retirement is a milestone for employees that requires careful planning. Unfortunately, many employees have fallen behind in their retirement savings goals, leading to feelings of insecurity about retirement and an increase in stress and anxiety impacting their engagement, morale and productivity. Even […]

ERISA ERISA50 Legislative Retirement U.S.

Looking Back on ERISA’s Journey

Kathy Bergstrom, CEBS

26 Aug 202426 Aug 2024

Nearly 50 years ago—on September 2, 1974—President Gerald Ford signed the Employee Income Retirement Income Security Act (ERISA) into law. The International Foundation has been providing education on this landmark legislation ever since. That education includes ERISA Insights: Voices From the Early […]

Compliance Defined Contribution (DC) Plans Employee Benefits ERISA Investments Multiemployer Public Plans Retirement U.S. Webcast

Fiduciary Basics for Governmental Plans

Amanda Wilke, CEBS

20 Aug 202420 Aug 2024

Plan sponsors have a responsibility to protect the interests of employee and retiree participants in their benefit plans. Government plan sponsors for 457 and 401(a) defined contribution (DC) retirement plans should be aware of fiduciary basics and the latest trends to protect […]

401(k) Plans Defined Contribution (DC) Plans Investments Multiemployer Retirement U.S.

The Multiemployer Retirement Plan Landscape: DC Takeaways

Justin Held, CEBS

01 Aug 202401 Aug 2024

According to The Multiemployer Retirement Plan Landscape: A 15-Year Look (2006-2020), the average defined contribution (DC) plan account balance increased from $23,400 at the end of 2006 to $54,100 at the end of 2020, while aggregate disbursements also grew. The increase in […]

401(k) Plans Compliance DOL Employee Benefits ERISA Retirement SECURE 2.0 U.S.

Three DOL Developments for Retirement Plan Sponsors

Jenny Gartman, CEBS

09 Jul 202409 Jul 2024

So far in 2024, the Department of Labor (DOL) has released proposals for plan administrators to populate a missing participant database and automatic portability of retirement plan accruals when employees change jobs. The DOL also finalized a retirement security rule package and […]

Canada Pensions Retirement

It’s Time to Retire the Concept of Retirement

Eli Argueta

02 Jul 202402 Jul 2024

For many, retirement is seen as the final chapter of life—a culmination of years of hard work and savings. But what if retirement wasn’t an end but rather a beginning filled with new opportunities? Over the last decade, more research and innovative […]