Pension Administrators
Sarasota Florida Area
in FL

Business Retirement Group Client Advisor
JPMorgan Chase
in CT, IL, IN, KY, MA, NY, OH, PA, RI

Retirement Plan Administrator
Christian Financial Services Firm
in FL

Pension Account Consultant
John Mulligan & Associates, Inc.
in NY

Plan Conversion Specialist
Retirement Planning Services, Inc.
in CO

Benefits Enrollment Specialist
Northwestern Benefit Corporation of Georgia
in GA

Relationship Manager
DailyAccess Corporation
in KS, MO

Client Service Associate - Retirement Plans
Sapers & Wallack, Inc.
in MA

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Avoiding Common Audit Pitfalls: What You Don't Know Can Hurt Your Plan
April 17, 2014 in CA
(Western Pension & Benefits Council - Orange County Chapter)

Financial Wellness: Calculate the ROI
April 24, 2014 WEBCAST
(Boulevard R)

The ABCs of ESOPS
April 25, 2014 WEBCAST
(Menke Group)

Optimizing Fiduciary Governance: Tips for Streamlining Administration and Maximizing Benefits
May 15, 2014 in CA
(Western Pension & Benefits Council - Orange County Chapter)

Health and Welfare Plan Basics - Complying with ERISA and the ACA
May 20, 2014 WEBCAST
(ABA Joint Committee on Employee Benefits)

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Text of CRS Report: 'Retroactive Advance Premium Tax Credits Under February 27, 2014, CCIIO Bulletin' (PDF)
"In light of the plain text of these provisions, which initially suggests that [advance premium tax credits (APTCs)] are available only with respect to coverage that has been obtained 'through' an Exchange, you have asked CRS to provide an analysis of whether the provision of APTCs to QHP issuers for coverage provided outside of an Exchange is consistent with the statutory language. In answering this question, we first look at whether the plain text of the statute should control in this particular case. We then also examine whether any administrative flexibility exists that could independently justify the changes described in the CCIIO Bulletin." (Congressional Research Service)  

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4th Annual Prevention & Wellness Congress - May 7-8 - San Diego

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HHS Secretary Resigns After Obamacare Launch Woes
"U.S. Health and Human Services Secretary Kathleen Sebelius is resigning after overseeing the botched rollout of President Barack Obama's signature healthcare law, a White House official said ... Obama has chosen Sylvia Mathews Burwell, his budget director, to replace Sebelius, the White House said. Well-known inside Washington, ... Burwell will have to manage the program through its next major challenges in the height of elections season." (Reuters)  

The Potential Impact of Alternative Health Care Spending Scenarios on Future State and Local Government Budgets
"Health care expenditures by state and local governments have approximately doubled over the last 25 years, and now total $475 billion. These expenditures are 18 percent of national health care consumption expenditures, 24 percent of state and local government spending from their own funds, and 35 percent of state and local government tax revenue.... These cost increases are driven more by non-Medicaid costs than by Medicaid costs. The non-Medicaid increases are driven first by retiree health care costs (OPEB) and second by costs of health care for the existing workforce." (The Brookings Institution)  

Should We Have Expected This Week's Big Surprise on Employer Health Insurance?
"There's one Obamacare number that stands out above the rest this week -- 8.2 million. That's how many people have taken up employer-sponsored insurance since September, and most of them were previously uninsured ... The [RAND] survey ... attributes the drop in the uninsured rate over the past six months mostly to gains in employer coverage. For all the predictions of employers dumping coverage for health insurance exchanges, this was a pretty surprising finding. Obamacare was actually driving millions of uninsured Americans to sign up for employer insurance." (The Washington Post; subscription may be required)  

Alternative Health Spending Scenarios: Implications for Employers and Working Households
"Scenarios for low or high rates of health spending growth have important implications for employers that provide coverage (or are on the margin for doing so) and the employee households that benefit from it. For small employers, whether or not coverage is offered is sensitive to premiums, with smaller effects for larger employers.... Innovation in benefit designs, network designs and policies on employer contributions appear to be making it easier for employers to quickly shift unexpectedly high rates of premium increases to employees." (The Brookings Institution)  

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Get the App! BenefitsLink app for iPad, iPhone and iPod touch now available!

Stay up-to-date while you're on the go with the BenefitsLink App -- now available for iPad, iPhone 5, and iPod touch.

Off-Exchange Options Flew Under Enrollment Radar
"While only about 25% of those between the ages of 18 and 34 signed up for coverage on public exchanges ... about 40% of that same age group bought off-exchange plans in the fourth quarter through the online comparison-shopping site eHealth.... WellPoint ... recently reported that about 20% of the roughly one million customers it expected to enroll new plans nationwide would be off the exchanges. The number was even higher for Highmark, which noted that approximately 30% of 133,000 members who enrolled as of the middle of last month chose coverage outside the exchanges." (Employee Benefit Adviser)  

Four in Ten Employers Believe ACA Has Impacted Their Retirement Savings Plans
"43 percent of employers report the [ACA] has affected their current retirement benefits strategy and spending, and 45 percent believe ACA will change their retirement plans in the future. Of those who believed the ACA has changed their retirement benefits strategy, 55 percent said they are spending less money on retirement benefits and shifting costs to employees and 42 percent said they are spending less time evaluating their retirement benefits[.]" (LIMRA)  

[Official Guidance]

Text of Executive Order: Non-Retaliation for Disclosure of Compensation Information
Excerpt: "The [federal government] contractor will not discharge or in any other manner discriminate against any employee or applicant for employment because such employee or applicant has inquired about, discussed, or disclosed the compensation of the employee or applicant or another employee or applicant. This provision shall not apply to instances in which an employee who has access to the compensation information of other employees or applicants as a part of such employee's essential job functions discloses the compensation of such other employees or applicants to individuals who do not otherwise have access to such information, unless such disclosure is in response to a formal complaint or charge, in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or is consistent with the contractor's legal duty to furnish information." (Executive Office of the President)  

The Principal Signs Private Benefits Exchange Agreement
Principal Financial Group

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