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Plan Insight

JULY 2010 Newsletter

Study Examines Plan Sponsor Motivation – Future Changes

A LIMRA news release about its report: “U.S. Employer Trends for Retirement Plans: Implications for Future Retirees,” said the study covered more than 500 plan sponsors to assess their outlook about their plans.

Meanwhile, according to LIMRA, the study found that employers with a defined benefit (DB) plan currently looking or considering looking in the next two years for a DC plan provider are more likely to be planning to drop their DB plan in the next two years than those not thinking about a provider search.

Companies with DC plan assets under $5 million are more likely to consider adding other types of DC plans (profit sharing, money purchase) than companies of other asset sizes, LIMRA found in its poll.

Sponsors with non-401(k) DC plan assets of $1 million or more are more likely than companies with smaller DC plans plan to add a 401(k) plan in the next two years.  Nearly 18% of employers plan to make changes to their company match and nearly half of them plan to increase it.

The study also found that employers:

·   have not yet embraced automatic deferral rate escalation or in-plan guarantees;

·   offering a Roth 401(k) are more likely to be more committed to preparing their employees for retirement and have providers that are more engaged;

·   whose DC providers offer employee education are much more likely to be concerned with understanding legislation, employee retirement readiness, costs, and employees’ abilities to make changes to their plans; whose providers offer investment advice are more concerned than those who do not with legislative changes, retirement readiness, costs, participation, and employees’ abilities to make changes to their plans.



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Information is provided for review and consideration only. Please consult legal and tax advisors for practical advice pertaining to your business and personal situations.

Material in our newsletter may have been extracted in whole or in part from the IRS Employee Plans publication, and the presence of IRS material does not constitute or imply the endorsement, recommendation, or favoring by the IRS of any opinions, products, or services offered by the sponsor of this web page or document.

This page was last reviewed and/or updated on Friday, July 03, 2015 05:21 PM


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