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Defined Benefit Combo Cash Balance Compliance Consultant Loren D. Stark Company (LDSCO)
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TPA Retirement Plan Consultant EPIC RPS (TPA/DPS)
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Defined Contributions Compliance Consultant Loren D. Stark Company (LDSCO)
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Greenline Wealth Management
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Senior Specialist 401k Recordkeeping T Bank N.A.
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22 Matching News Items |
| 1. |
CapTrust Plan Sponsor Strategic Research Report, Third Quarter 2012 (PDF)
CAPTRUST Financial Advisors 
Oct. 30, 2012
Articles include: MAP-21 Implications for Defined Benefit Funding Strategies; A Three-Step Approach to Nonqualified Plan Financing; Recent Conversations With Plan Participants; Navigating Bonds in Today's Low-rate Environment.
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| 2. |
Conducting an Effective Advisor RFP Process (PDF)
CAPTRUST Financial Advisors
Mar. 9, 2014
"[T]he advisor RFP appears to be on a fast track to become the preferred method for conducting an advisor search or documenting that an existing advisor is qualified to meet an individual plan's specific needs.... [The authors] see four primary plan sponsor motivations for engaging in an advisor RFP process: [1] Plan changes over time.... [2] Increased fiduciary burden.... [3] Market intelligence.... [4] Formality of process."
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| 3. |
Recent Litigation Surrounding Fiduciary Disclosure Obligations
CAPTRUST Financial Advisors
Aug. 8, 2018
"In a recent case, the provisions of a conflicting SPD may prevail. The case was sent back to the lower court because the error in the SPD was so significant that it could be found to be constructive fraud.... [Two other cases demonstrate there] are two primary situations for which plan fiduciaries can be liable for not disclosing information to plan participants.... Not telling a participant about a future benefit that is under serious consideration, knowledge of which would be material to the participant; and Leaving out information about a current benefit when the fiduciary knows that silence might be harmful."
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| 4. |
Optimizing Your Company's Retirement Plan
CAPTRUST Financial Advisors
June 28, 2018
"[F]ocus on four key elements: [1] getting employees into the plan; [2] getting them to save an adequate amount of money toward their retirement goals; [3] getting them invested appropriately based upon their specific circumstances; and [4] getting plan participants engaged in the saving, investing, and, ultimately, retirement planning process."
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| 5. |
Five New Members Appointed to 2018 ERISA Advisory Council
Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL]
June 21, 2018
"Current members Cynthia Levering and Srinivas Dharam Reddy will serve as the chair and vice chair, respectively, of the council.... The newly appointed members and the expertise they represent are: [1] Employers: David J. Kritz is General Attorney for Norfolk Southern Corporation ... [2] Corporate Trust: Linda M. Kerschner is a Senior Vice President of CAPTRUST Financial Advisors ... [3] General Public: David Blanchett is Head of Retirement Research at Morningstar Investment Management ... [4] Investment Management: Jason Bortz is Senior Vice President and Senior Counsel at Capital Group ... [5] Employee organizations: Bridget O'Connor is General Counsel of the International Union of Bricklayers & Allied Craftworkers (BAC)."
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| 6. |
Rising Interest Rates: What Retirement Plan Sponsors Need to Know
CAPTRUST Financial Advisors
Apr. 2, 2018
"[M]any retirement plan committee members are facing a rising-rate environment for the first time in their careers. It will be important for them to understand this reversal in economic conditions and its broad impacts as they navigate this new environment and help participants do the same.... 60 percent of plan sponsors surveyed [recently] listed target date funds as the investment option they are most worried about during a period of rising rates."
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| 7. |
What Exactly Is ESG Investing?
CAPTRUST Financial Advisors
Mar. 21, 2018
"[Of] the $40.3 trillion of assets under management in the U.S. in 2016, $8.1 trillion was invested in ESG portfolios. That growth represents a 30 percent increase from $6.57 trillion in 2014.... No uniform definition exists, but at its heart, ESG investing is an investment methodology that allows an investor to apply a set of criteria that aligns portfolio investments with the investor's ethical considerations or values.... And since ESG criteria are based upon corporate attributes, they apply to both stocks and bonds issued by a company."
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| 8. |
The Surprising Benefits of a 3(38) Fiduciary
CAPTRUST Financial Advisors
June 29, 2017
"3(38) investment managers are a distinct breed of fiduciaries legally required to act in their clients' best interests when it comes to choosing funds and managing assets. They select, monitor, and benchmark retirement plan investments on a discretionary basis.... Smaller companies are happy to reclaim time; larger companies are often glad to unload some of the risks that aren't core to their businesses. But any size company is pleased when its investments achieve better outcomes."
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| 9. |
A Crystal Ball and a Compass: The Plan Sponsor's Guide to Navigating 2017
CAPTRUST Financial Advisors
Dec. 29, 2016
"History will likely show that the events of 2016 were an impetus for significant change in the landscape of America's retirement system.... [T]he following issues will be the main drivers of change. The DOL's fiduciary rule ... Litigation on the rise ... An improving economic environment ... Future policy direction."
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| 10. |
Choosing a Beneficiary for Your IRA or 401(k)
CAPTRUST Financial Advisors
Aug. 10, 2016
"[Y]ou need to know the impact of income tax and estate tax laws in order to select the right beneficiaries. Although taxes shouldn't be the sole determining factor ... ignoring the impact of taxes could lead you to make an incorrect choice. In addition, if you're married, beneficiary designations may affect the size of minimum required distributions to you from your IRAs and retirement plans while you're alive."
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| 11. |
Five Questions for Plan Sponsors to Ask Themselves About the New Fiduciary Rule
CAPTRUST Financial Advisors
July 4, 2016
"[1] Do we know all the third parties acting in a fiduciary capacity to our plan or plan participants under the new rules, and what conflicts do these third parties have? ... [2] What are these third parties' compliance policies and procedures that will ensure these conflicts do not influence the advice they are providing to our plan or participants? ... [3] What is our perspective on investment advice (as now defined) for our participants? ... [4] What is our benefit philosophy regarding terminated participants? ... [5] Should we update our plan design to align with our philosophy on terminated participants?"
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| 12. |
So You Hired an ERISA Section 3(38) Fiduciary... Now What?
CAPTRUST Financial Advisors
Mar. 11, 2016
"Engaging a 3(38) investment manager transfers the responsibility and risk associated with the selection and monitoring of the plan's investment options. It is critical, however, that plan sponsors realize that even with an appropriately structured 3(38) arrangement, such sponsors 'still have the responsibility to monitor their 3(38) and be aware of the ERISA-related liability associated with hiring, monitoring, and, if needed, replacing them' ... [Here] is a handful of questions to consider when creating a framework to monitor a 3(38) investment manager[.]"
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| 13. |
Recently Filed Cases Show Continuing Evolution of Participant Fiduciary Claims
CAPTRUST Financial Advisors
Feb. 8, 2016
"These cases include allegations that 401(k) plan fiduciary committees and their members breached their responsibilities by: [1] Constructing a custom target date strategy that included hedge funds that suffered significant losses; [2] Not using the least expensive mutual fund share classes available to the plan -- or using mutual funds when less expensive commingled trusts or separate accounts of essentially the same investment strategies were available; [3] Allowing the plan to pay excessive recordkeeping and administrative fees in a multiple employer plan arrangement; [4] Using a money market fund rather than a stable value fund as the plan's cash-equivalent alternative."
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| 14. |
E Pluribus Unum? Recordkeeper Consolidation in Multi-Vendor 403(b) Plans
CAPTRUST Financial Advisors
Dec. 7, 2015
"Evaluating and selecting service providers is an ongoing fiduciary responsibility, and plan sponsors must make decisions using a process focused on the best interests of participants. This article sets out a framework to help plan sponsors evaluate multiple-recordkeeper plans through this lens.... [T]here is no single right answer for all institutions. Factors related to the plan's current state, as well as the institution's long-term objectives, will influence this decision."
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| 15. |
The Fiduciary Process for Higher Education Institutions as Plan Sponsors
CAPTRUST Financial Advisors
Oct. 30, 2015
"The largest shift in the management of college and university retirement plans over the past decade is the role of the institution. In the past, their role included salary reduction agreements and remittance processing. Today, plan fiduciaries face important decisions about the retirement programs they oversee.... These are complex topics. They are further complicated by their interrelated nature and the administrative constraints faced by plans with individual annuity contracts. The result can be paralyzing."
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| 16. |
Passive and Target Date Trends in Defined Contribution Plans
CAPTRUST Financial Advisors
Sept. 1, 2015
"As plan sponsors seek to balance the forces of fiduciary governance, modern portfolio theory, behavioral finance, and industry trends, plans have reduced exposure to specialty asset classes and overlapping options.... Despite this trend, there are two places where plan menus have expanded: target date fund series and passively managed options. This research brief will illustrate these trends and provide context for plan sponsors evaluating such changes within their plans."
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| 17. |
Fiduciary Update, July 2015
CAPTRUST Financial Advisors
July 21, 2015
Topics include: [1] Tibble v. Edison -- Supreme Court Clarifies Duty to Monitor Investments; [2] ABB v. Tussey -- The Saga Continues; [3] DOL Study Finds Annual Plan Audits Lacking; [4] Equitable Relief for SPD Issues.
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| 18. |
Millennials Coming of Age in the Workforce: Effects on DC Retirement Plans
CAPTRUST Financial Advisors
July 7, 2015
"Numbering more than 83 million, the Millennial generation [of Americans born between 1982 and 2000, also known as Generation Y or the 'Baby Boom echo',] has surpassed the Baby Boomers as the United States' largest living generation.... This article focuses on implications for defined contribution retirement plans and how Millennial population growth may influence how employers think about plan design, communication, and participant engagement strategies. It also describes ways employers may be able to use retirement benefit programs to strengthen relationships with their Millennial workers."
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| 19. |
Retirement Readiness Challenges for Successful Employees
CAPTRUST Financial Advisors
Apr. 8, 2015
"Plan sponsors are well aware that lower-paid employees face challenges in preparing for retirement, and many sponsors have taken steps address this issue. Yet, employees in the middle of their employment compensation pyramids also face challenges. These employees often cannot save enough in qualified retirement plans and reach limitations on Social Security. As a result, the gap between ideal and actual savings for these employees may be much greater than acknowledged and frequently go unaddressed.... [I]ndividuals earning more than $200,000 a year cannot achieve a comfortable retirement relying on Social Security benefits and qualified plan savings alone."
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| 20. |
Navigating Investment Responsibilities: Five Questions for Plan Sponsors
CapTrust Financial Advisors
Jan. 19, 2014
"Do conflicts of interest exist? ... How confident are you with your investment knowledge? ... How involved do you want to be in the investment process? ... What level of risk are you comfortable assuming? ... How much are you willing to pay for these services?"
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