"If eligible employees do not set up their SIMPLE IRA accounts in a timely manner, can the employer set up the SIMPLE IRAs on the employees' behalf and if so is there any IRS reg or guidance that permits or requires this?"

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"Can a plan add a true up provision mid year? Seems like they should be able to, as it benefits participants."

"401(k) plan with maybe 20 participants. The investments are held with an RIA, individual investment accounts. The 2 trustees are not always available to sign the LOA to pay out a participant. Can someone at the business other than a trustee be listed on the investment to sign these LOAs to pay out a participant?"

"Members of the Retirement Reform Group participating in the American College of Employee Benefits Counsel Annual Meeting Education Program in San Diego, CA (October 10, 2026) are pleased to share handouts prepared for the meeting. While the seminar itself is not open to the general public, the following materials are available on our webpage:

• The Urgent Need and Incredible Opportunity to Expand Retirement Coverage through Efficient Plan Design (Richard Shea)
• The Challenges and Promise of Lifetime Income in a Defined Contribution World (Norman Stein)
• The IRA Protection Gap: Missing ERISA Safeguards, Rollover Vulnerabilities, and Paths to More and Safer Retirement Savings (Phyllis C. Borzi, Cynthia Van Bogaert)
• Improving Access to Non-Conflicted Retirement Information for Individuals and Small Employers (Maria O'Brien, Mark Iwry/Matthew I. Whitehorn, Lisa Germano)
• Why Aren’t They Saving? Real Plan Design and Demographic Barriers for Lower- and Moderate-Income Workers (Lisa M. Gomez)

"We invite policymakers, practitioners, and other stakeholders interested in improving lagging retirement savings for lower- and moderate-income workers to access these resources here  under the Presentations and Materials section....

"These are for informational purposes only. You may share them with others. Note that the Retirement Reform Group is limited to Fellows of the American College of Employee Benefits Counsel, but is not affiliated with the College. If you have ideas about problems and solutions you see in your practice, I would love to hear your thoughts."