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401(k) Sponsors Want
Expert Advisers
A new Spectrem Group
survey report of 150 plan sponsors taken earlier this year said
they might hire an investment consultant as well as a separate
adviser with administrative expertise -
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Income Tax Savings -
Retirement Saver's Credit
IRS Bulletin IR-2008-134, reminds
most qualified plan participants they still have time to take
steps to get the full benefit of the saver’s credit. The latest
bulletin from the Internal Revenue Service -
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Six ways Employers may alleviate
401(k) anxieties over the financial crisis
Here are a few tips to help employers
ease workers' concerns about their 401(k) balances in light of
the recent mood swings of the stock market -
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Enhanced Plan
Design: The Dual Plan Concept
We offer advanced
experience in the discipline of retirement plan design for companies
that elect to sponsor retirement plans. Does your
plan achieve
optimum benefit levels? Adding a cash balance plan to a 401k/profit sharing plan might
be the solution. Contact
us to schedule a confidential consultation -
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What is a Cash Balance Plan? A cash balance
plan is a defined benefit plan where a participant's account is
credited each year -
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Here
The Race to Gather QDIA Assets
PPA (the Pension
Protection Act) and the creation of the long-term Qualified
Default Investment Alternative (QDIA) has brought about a degree
of change in the defined contribution (DC) marketplace that has.
. . -
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Form 5500 - Who May Not Have To File
You do not have to file Form 5500-EZ (or Form 5500) for a
plan year (other than the final plan year) that begins on or
after January 1, 2007, if you meet the five conditions -
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A Medical Expense Reimbursement Plan
Or MERP is 'one of the
best kept secrets in the industry' - Section 105 of the
Internal Revenue Code provides a way to save taxes, for both
employer and employee on excess medical expenses -
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Here
Adding a Roth 401K: RulesAccording to the IRS, it will implement the Roth 401K provision of
EGTRRA. Under this new ruling, employees will be able to designate money in their 401K plan to be Roth contributions.
- Click
Here
HSAs or Health Savings Accounts begin to
take hold in the market. -
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Here
HSA - Eligible Qualified Expenses: -
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Here
Benefits Blog: Read & Opine
Affected by socio-economic interests, employer needs, and
legislation the employee benefit landscape is ever changing.
Visit our web log -- read, think, and opine. Your views and
comments are welcome. -
Click Here
To Open, Review, and/or Print our Company Brochure -
Click
Here. Contact Us
Please feel free to
contact us for a free consultation on any questions you may have
regarding benefit plans. -
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BenefitPlans.com
IRS Announces 2009 Plan Contribution
Limits
-
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Here
Calendar Watch. .
.
-
2008 Form 5500 filing deadline
is due in most
cases by 07/31/2009 -- with extension by
10/15/2009 -
Details
-
2007 PBGC premium vouchers
must be remitted by 10/15/2009
-
Safe Harbor Notifications due
in most cases by 11/30/2009
Market Watch. . .
Advisers Crucial to QDIA Selection
The majority (86%)
of plan sponsors surveyed indicate they are reliant on some form
of intermediary to assist them with the general management of
their DC plan investments, and 79% indicate they used or intend.
. .
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Saving for retirement is about the long term
Most people who have self-directed [retirement]
plans need to look at the long term, says Jan Grude, president
and executive managing director at Buck Consultants. "The
current state of financial markets is no indication of the
future state of the financial markets."
DetailsEGTRRA Restatement
The IRS reviews restated plan documents either
every five or six years, depending on the type of plan document
(individually designed, pre-approved prototype, or volume
submitter). Pre-approved plan documents (also referred to as
prototype and volume submitter) are to be restated every six
years.
DetailsGUST & EGTRRA
Restatement Requirements - Why? -
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Here
Between
jobs? Check Out the Individual Dental Insurance
at
DentalQuotes.com
Visit Our '
white
papers ' section.
Check out our 'Strategies
Section' for Design, Funding, and Money strategies for details on specific strategies that
may help your company achieve a more efficient contribution
advantage.
The
provisions in the 2001
Economic Growth Tax Relief Reconciliation Act - EGTRRA are
helping qualified plan clients reevaluate their strategies to
maximize plan
contributions.
Tips, Tricks, & Techniques
Strategies -
A Company wants a 401(k) plan for long service employees
yet favor key people. This could either be the company's.
. .
What to do? -
Click
Here for answer. . .
Top Ten Blunders Plan Sponsors Make With Their 401(k) Plans
-
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Here
-
And
. . . Coming Soon!
-
Improving portfolio performance
in tough markets. . .
-
Market Highs and Lows. . .
What to do!
-
Diversification
is 'key' in a tight economy. . .
401(k)
Participation Requires Planning
With
the traditional pension plan in doubt, more workers must
depend on themselves, not their companies, to fund their
retirements. For more info: -
Click
Here
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