KTRADE is committed to supporting each of our clients in gaining the greatest value from their relationship with us. We are pleased to share our Employer Connect Video Series which features information every plan sponsor should know. We invite you to watch these videos and contact us to discuss how this information applies to your specific situation.


Auto-Enrollment and Auto-Escalation

Auto-Enrollment and Auto-Escalation

When we think about the important goals we've reached in our lives, like graduating from college or achieving a career milestone, the journey likely took time, perseverance, and a whole lot of hard work. But the payoffs in the end are the rewards we've earned and the sense of pride we feel in the ac...
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Understanding Why a QDIA Matters

Understanding Why a QDIA Matters

Auto-enrollment has been proven to be effective in raising participation rates in 401(k) plans. As a result, it's been pretty widely adopted across the country, especially in mid- to larger plans. Automatic enrollment creates a situation where many employees fail to make an investment election on th...
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To Roth or Not to Roth

To Roth or Not to Roth

A compelling feature of a 401(k) plan has always been the opportunity to contribute money from your current income on a pre-tax basis today - let it work for you over the years - and then pay taxes on the accumulated balance as you withdraw it in future. That's a real attraction to many company owne...
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Financial Wellness Is Essential to Saving for Retirement

Financial Wellness Is Essential to Saving for Retirement

Introducing a workplace retirement plan can be a compelling way for emplyees to take control of their retirement savings, but for so many people that don't have control of their personal financial situation, the retirement plan at work doesn't have a chance to be successful without a helping hand an...
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Defined Benefit Plans are Alive and Well

Defined Benefit Plans are Alive and Well

For the most part, the news about Defined Benefit plans lately has not been particularly good. Whether a big company could no longer fund its plan or how it was bankrupting their business, headlines have discouraged many businesses from seriously considering a DB plan.
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Cash Balance Plans Allow Six Figure Annual Contributions

Cash Balance Plans Allow Six Figure Annual Contributions

Most people can contribute to their 401(k) without worrying about exceeding the annual contribution limit. If you're under 50 years old, that's $18,500 a year. If you're 50 or older, it's $24,500.A small, but important segment of the population, though, has the ability to contribute significantly mo...
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When to Set Sail with Safe Harbor

When to Set Sail with Safe Harbor

You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while their money accumulates for retirement.To enjoy this special status, the IRS put in place rules to assure you...
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Did You Know You Are a Fiduciary?

Did You Know You Are a Fiduciary?

When it comes to the topic of fiduciary responsibilities for qualified retirement plans, there are three things we know really well:Plan sponsors like you are, by definition, a fiduciary of your plan because you exercise control over, and act on behalf of, your plan.Some plan sponsors don't know thi...
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