For some 501(c)(3) organizations, the appealing thing about allowing employees to participate in a 403(b) arrangement has been the minimal employer involvement and the fact that the plan can be operated on a "non-ERISA" basis. That is, the 403(b) ...
[Read more] about You Need To Determine If Your 403(b) Arrangement Is Subject To ERISA, And If It Is – What To Do About It
Retirement Plans Blog
Unused Leave Or PTO Cash-Outs And Tax Problems For Employees: Can They Have Their Cake And Eat It Too?
A number of employers, particularly public agencies, allow their employees to accumulate significant amounts of paid time off, vacation or paid leave (collectively PTO). This article alerts employers to certain practices and policies regarding the ...
[Read more] about Unused Leave Or PTO Cash-Outs And Tax Problems For Employees: Can They Have Their Cake And Eat It Too?
Pension Investing: A Bird’s Eye View, Part I
Most retirement plan fiduciaries (either the trustees or the persons responsible for making plan investment decisions) get lost in a forest of competing investment choices, pursued by a pack of financial "advisors" who have the "best" way to invest ...
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Ready-To-Wear – Some Distinctions Between “Customized” And “Off-The-Rack” Benefit Plans
Employee benefit plans - both retirement plans and welfare plans - like clothes, come in all shapes and sizes. While some plan sponsors have their plans "custom tailored" by their employee benefits attorneys and pension consultants, many companies ...
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A Step Beyond ERISA SECTION 404 (C): Improving On The Participant Directed 401(K) Investment Model
Improving on the participant-directed 401(k) investment model...
Introduction
Much of the retirement plan community has been focused for over a decade on participant-directed 401(k) plans. As competition for 401(k) plan business has intensified ...
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EPCRS: The IRS’s Employee Plans Compliance Resolution System
Five Questions, Four Categories Of Failure, Three Paths To Forgiveness
In a perfect world, all retirement plans would be amended on time and operated properly according to the plan terms and the law. However, we don't live in a perfect world and ...
[Read more] about EPCRS: The IRS’s Employee Plans Compliance Resolution System