Lorman Education Services

Compliance Specialist
for Ascensus in PA

Associate
for Baker & McKenzie LLP in CA

Compliance Analyst
for Alliance Benefit Group of Houston, Inc. in TX

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401(k) Fees: What You Need to Know in 2011 Live Webcast
Nationwide on August 9, 2011 presented by Knowledge Group

401(k) Rekon Advisor Symposium: Raleigh-Durham
in North Carolina on August 16, 2011 presented by 401(k) Rekon

Challenges and Solutions for Mature ESOP Companies
in Texas on October 12, 2011 presented by National Center for Employee Ownership

Communicating Valuation
Nationwide on August 2, 2011 presented by National Center for Employee Ownership

ESOP Overview
Nationwide on August 4, 2011 presented by National Center for Employee Ownership

Handling the ESOP Repurchase Obligation
in Texas on October 11, 2011 presented by National Center for Employee Ownership

Meet the Innovations Awards Winners
Nationwide on July 28, 2011 presented by National Center for Employee Ownership

Revitalizing Your Ownership Culture
Nationwide on August 9, 2011 presented by National Center for Employee Ownership

Strategic Planning for Your ESOP
in Texas on October 13, 2011 presented by National Center for Employee Ownership

The Rollout: Introducing a New ESOP to Employees
in California on July 21, 2011 presented by National Center for Employee Ownership

Valuation Challenges for Ongoing ESOPs
Nationwide on July 19, 2011 presented by National Center for Employee Ownership

Proposed Regs Provide Basic Frameworks for State and Small Business Exchanges Under Health Reform
"Exchange plans must be approved by the HHS no later than January 1, 2013. The proposed rule allows for conditional approval if the state is advanced in its preparation but cannot demonstrate complete readiness by the January 1, 2013 date." (Wolters Kluwer Law & Business)

Take the hassle out of enrollment.   [Advert.]

BeneCom creates effective enrollment communications. And with our 18 years of experience behind you, communications is one less job you have to worry about so you can get back to what matters most – your employees!

Third Circuit Concludes That De Novo Standard Was Appropriate, Given Insurance Policy Language
"The standard of review in an ERISA benefits case can have a major impact on the outcome, making it critical to recognize the role played by plan language in dictating which standard will apply." (Thomson Reuters/EBIA)

The Effects of Health Shocks on Employment and Health Insurance: The Role of Employer-Provided Health Insurance
"With the passage of health care reform, the tendency of men with ECHI as opposed to other sources of insurance to remain employed following a health shock may be diminished, along with the likelihood of losing health insurance." (National Bureau of Economic Research; paid subscription or individual purchase required to retrieve fulltext)

San Francisco to Increase Health Care Spending Requirement
"Beginning on January 1, 2012, employers in San Francisco with 100 or more employees will be required to spend $2.20 per hour per covered employee on health care, up from $2.06 in 2011." (PLANSPONSOR.COM)

Adherence to Medication Under Mandatory and Voluntary Mail Benefit Designs
"A critical challenge in designing pharmacy benefits is to find the optimal balance between access to essential medications and cost management. Employers seek pharmacy benefit designs that maximize access to effective medications and support appropriate adherence to those medications, with the intent of reducing health service use and promoting health and productivity. However, as pharmacy expenditures have risen, cost management has received increased attention." (The American Journal of Managed Care)

Save up to 50% on retiree health care costs...without reducing benefits!   [Advert.]

Extend Health is the nation’s largest private Medicare exchange. Extend Health helps organizations leverage the competitive power of the individual private Medicare market, so that retiree benefits can be offered in a fiscally sustainable manner.

Businesses Find Loopholes in Healthy San Francisco Law
"More than 80 percent of the money that companies set aside in special funds created by The City's landmark Healthy San Francisco health care program apparently goes back into the bosses' pockets without benefiting workers." (The San Francisco Examiner)

Health Care Reform Memo from Deloitte, July 18, 2011
This edition includes articles titled: Health insurance exchange proposed rules published; comment period for 75 days; CBO coverage projections challenged by Senator Snow; House bill would prevent early retirees from becoming Medicaid-eligible; and a review of state legislation and studies. (Deloitte Development LLC)

American Benefits Council Comment Letter on Notice 2011–28: Interim Guidance on Informational Reporting to Employees of Cost of Group Health Insurance Coverage (PDF)
"Although the Notice goes a very long way toward helping employers to understand their reporting obligations under new Code section 6051(a)(14), there remain a range of questions and concerns that will require additional clarification. These include, for example, whether and how to determine aggregate cost with respect to various types of coverage, such as wellness programs, on-site medical clinics, employer-provided diagnostic and preventive care services, and employee assistance programs . . . ." (American Benefits Council)

The S&P 500 Pension and OPEB Report
"[E]ven with massive underfunding, S&P 500 pension and OPEB costs have now become a reasonably- controlled expense to corporations, with costs and outflows fitting well within income and assets levels as well as cash-flow." (Bloomberg LLP)

Question of Unpaid Benefits Is One of N.F.L.'s Last Details
"At issue is a demand by the players' lawyers for $320 mil.lion that the owners did not have to pay in benefits because 2010 was a year in which there was no salary cap. The absence of benefits payments was a provision of the last collective bargaining agreement . . . ." (The New York Times; free registration required)

Companies Turn to Incentives to Hold Their Top Employees
"These days, it's typically not pay increases or 401(k) matches that employers are stressing. More fanciful perks such as personal shoppers and concierge services also are mostly gone -- victims of the Great Recession. Instead, employers are offering low-cost perks such as help outlining career development plans, flexible scheduling and on-site health care." (www.indystar.com)

FDIC Finalizes Rules for the Recoupment of Compensation from Executives of Failed Financial Institutions
"Despite heavy criticism by commenters, the final rule adopts a rebuttable presumption that certain senior executives or directors are 'substantially responsible' for the failed condition of a financial entity company that is placed into receivership under the orderly liquidation authority of the Dodd-Frank Act." (Michael S. Melbinger via Winston & Strawn LLP)

New Center for Excellence Issue Brief, "Unions and Public Pension Benefits"
(Center for State and Local Government Excellence)

EmployeeBenefitsJobs.com Named as One of Top 100 Job Boards on the Web
(EmployeeBenefitsJobs.com)