Dave Baker

Dude, congratulations!!! You have taken the time and thought to make more than 6,700 posts to these message boards, over more than 24 years. What a helpful and loving contribution you have made to your peers, the employee benefits industry, and hence to plan participants and plan sponsors all over the country! Unfortunately, your request for retirement is denied. (The fine print is in the Terms of Service, the plan documents, or somewhere.)

for Teachers Retirement Association (Saint Paul MN / Hybrid)View the full text of this job opportunity

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Tell me more about creating your own GPT!

@austin3515 It is pretty cool, I must say. I had written the program for fun before the web became a Thing, so it was almost an afterthought to put it online. I've never promoted it. It certainly could be improved (e.g., the ability to store the data so as to be able to rerun the program at some later date, or to adjust the employee census). Do you have administration software for an integrated profit-sharing plan, and could you confirm that it produces the same allocations that my program produces (if you enter the same employee census data and whatever integration level the program ends up applying to that data)?

It would be interesting for you to enter the numbers into this app I wrote a coupla decades ago, and see if it agrees that 80% + $1 is the optimal integration level: https://benefitslink.com/site/inte-greater/

This is to share with you the happy news that today is the 25th anniversary of the first day on which the BenefitsLink Newsletter began daily publication. I didn't see this coming when I decided to go daily in 1999, at age 41. (The newletters had begun four years earlier, but they weren't being published every day.) The free information must be helping employee benefits practitioners to help their clients, which translates to the ability of employers to effectively run and fund programs that improve the lives of so many millions of working people (and retirees, and beneficiaries), even if most of them wouldn't know (or want to know) the difference between an ERISA and an eraser. What a noble endeavor, to be an employee benefits practitioner! Some lawyers and TPAs and other benefits practitioners have found work through our job board that's been running since 1996, which means they've gone to new workplaces and sometimes new cities, which means some of them have met people they wouldn't have met otherwise, which means some of them have fallen in love and then had children... which means there are people walking around on the planet now who wouldn't be here but for this "web site" thingie that started in 1995, and then the idea of sending "newsletters" by "email." None of that would have been possible without readers. The existence of "BenefitsLink babies" didn't occur to me until one day about 10 years ago, but I kept it quiet -- at that time, they were still teenagers! True to form, I and my business partner and wife Lois Baker (formerly an employee benefits lawyer, whom I met on CompuServe in 1990 while trading ERISA questions using dial-up modems) have failed to do any marketing of this happy day. But as I sat here at the keyboard today I had the idea that we would get so much joy by celebrating the occasion with readers. I hope this hasn't come across as a commercial but instead is the lifting of an E-flute of cyber-champagne -- here's to employee benefits practitioners everywhere! It's a wonderful community, and for 25 years now and still counting, we are so happy to be a part of it.