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Wellness Programs: Reaping the Benefits--Avoiding the Pitfalls (NY CLE Program)
in New York on January 19, 2012 presented by WEB (Worldwide Employee Benefits Network ), New York Chapter

IRS Determination Letter Program Will Change in 2012
"Effective May 1, 2012, two more circumstances will apply to require a Form 5300 be used: Aggregation of Plans — Where the employer has added language to an M&P plan to satisfy the Code § 415 annual limit and § 416 top heavy requirements because of the required aggregation of plans. Pre-Age 62 Normal Retirement Age — Where a pre-approved pension plan has defined normal retirement age to be earlier than age 62." (Deloitte via BenefitsLink.com)

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Includes Graded, 412(e)(3), Cash Balance, Combo Plans
(888) 328-2474    Sales@DATAIR.com    www.DATAIR.com

IRS Announces Changes to Determination Letter Program for 2012
"These changes are expected to reduce the time it takes the IRS to process determination letter applications, which will be a plus for both the IRS and plan sponsors. But they also appear to eliminate any opportunity in the determination letter process to present discrimination testing methods for review, discussion, and implicit approval." (Thomson Reuters/EBIA)

IRS Extends Transition Relief for Plans Qualified in Puerto Rico
"This relief gives employers more time to figure out how best to handle retirement benefits for their Puerto Rico employees in light of extensive amendments to the Puerto Rico tax code that generally took effect on January 31, 2011." (Thomson Reuters/EBIA)

Overtime Inflation Pervades Connecticut's State Pension System
"Counting overtime in the pension formula has added tens of millions of dollars to the obligations of the state's grossly underfunded pension system. It is perhaps the biggest labor-management issue on which the Malloy administration, despite dispensing various prescriptions for fiscal woes, has accomplished the least." (Hartford Courant)

Connecticut State Pensions, Part 2: Recent Retirees Raking in Bigger Pensions
"Records of more than 1,000 recent state-employee retirements tell a story taxpayers might not want to hear — but here it is anyway: Those retirees' final-year salaries and starting pensions are up markedly from previously known levels." (Hartford Courant)

Why You Should Care about DOL's Re-Proposal of Fiduciary Guidelines
"The far-reaching original proposal faced lots of opposition. It 'would fundamentally change the entire body of law that governs $6 tril.lion of ERISA assets,' says Bradford Campbell, who is Of Counsel at law firm Schiff Hardin LLP in Washington." (PLANSPONSOR.COM)

Top Ten Most Widely Read FiduciaryNews.com Stories in 2011
"[Internal analytics at Fiduciary News] revealed some surprising results when it comes to most widely read stories in 2011. Do you remember these? Have they helped you enact important changes in a plan you might [act] as a fiduciary for?" (Fiduciary News)

IRS Releases 2012 Version of Publication 15-B, Employer's Tax Guide to Fringe Benefits
"Publication 15-B . . . is a useful reference for employers on the tax treatment of fringe benefits. But it is important to remember that this publication does not provide full coverage of the many rules that apply to the fringe benefits it summarizes. Instead, Publication 15-B refers readers to other IRS publications, guidance, and websites for more detailed coverage of certain aspects of these fringe benefits." (Thomson Reuters/EBIA)

ACI Welcomes Justin Bonestroo
(Actuarial Consultants, Inc.)