Employer Connect Videos

Paying Fees From Plan Assets

Download the Action DocumentPaying Fees From Plan Assets COVID-19 is obviously causing financial stress and when it comes to your qualified retirement plan, you may be looking for ways to reduce expenses. You have an option to use plan assets to pay some plan expenses as long as you follow Depa...

How the CARES Act Applies to Your Retirement Plan

IMPORTANT HIGHLIGHTSThe Coronavirus Aid, Relief and Economic Security (CARES) Act includes provisions that may apply to your retirement plan. Here are some important highlights to know first.The CARES ACT expands and relaxes rules on withdrawals, participant loans, and defers mandatory distrib...

SECURE Act

Download the Action DocumentSECURE ActThe goal of our nation’s retirement system is to create more opportunities for American workers to save and to make it easier for employers like you to start and maintain benefit plans. With this in mind, Congress just passed, and the President signed the SECUR...

Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

Download the Action DocumentFour Things to Know About ERISA Fidelity Bonds and Fiduciary Liability InsuranceThe Employee Retirement Income Security Act known as “ERISA” regulates 401(k) and most other types of employee benefit plans. Under ERISA, anyone who handles retirement plan funds must be co...

Your World Evolves and Your Retirement Plan Should, Too

Download the Action DocumentYour World Evolves and Your Retirement Plan Should, Too The written version of your retirement plan, your plan document, defines how the plan operates. Naturally, when you started your plan, it reflected what we knew about you and your company at that moment in time. But ...

It’s Time to Restate Your Defined Benefit Plan Document

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Every retirement plan is required to have a formal written document that spells out how it operates. When Congress passes new laws that impact how retirement plans work, the IRS and other agencies create new regulations to reflect those changes.

Encourage Greater Participation with a QACA Safe Harbor Plan

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A 401(k) is a very popular retirement plan. 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 justify this special tax status, the IRS put in place rules to assure your plan benefits ran...

Auto-Enrollment and Auto-Escalation

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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...

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...

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...