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BPAS
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Defined Benefit Specialist II or III Nova 401(k) Associates
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BPAS
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Distributions Processor - Qualified Retirement Plans Anchor 3(16) Fiduciary Solutions, LLC
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DWC ERISA Consultants LLC
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-- An attorney subscriber
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Search the News Archive
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22 Matching News Items |
| 1. |
Ekon Benefits
May 27, 2014
"Borrowing money to fund an underfunded pension plan may make economic sense when considering the additional cost of rising PBGC variable rate premiums ... potential tax efficiencies, and reduced annual pension expense and pension liability for organizations required to comply with ASC 715 accounting standards.... [L]ump sum cashouts not only save PBGC fixed rate premiums and other administrative costs but also 'downsize' the plan, hence reducing future pension cost volatility."
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| 2. |
Ekon Benefits
Mar. 9, 2016
"The proposed changes provide testing relief for frozen plans.... [T]he proposed changes may allow some sponsors who rely on testing their DB and DC plans together to lower DC plan contributions to non-highly compensated employees (NHCEs).... [W]hile current regulations allow providing higher benefits to HCEs if certain nondiscrimination tests are met, the proposed changes may limit this ability in some circumstances."
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| 3. |
Ekon Benefits
Feb. 11, 2016
"ERISA fidelity bond coverage is necessary protection for your employee benefit plan. Inadequate fidelity bond coverage, as listed on the annual Form 5500, could trigger a DOL audit. Your TPA is requesting this information ensure that your Plan's fidelity bond meets the bond amount requirements and that all plan officials requiring coverage are properly bonded."
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| 4. |
Ekon Benefits
Mar. 11, 2015
"When evaluating how automatic features will impact the Plan, use a holistic approach. If the goal of automatic enrollment is to increase participation and savings, ensure that the benefits of automatic enrollment are not being diminished by a decreased match or lower average deferral rate. When considering auto-enrollment, take into account how it will impact the goals you are trying to achieve and how it will affect the rest of the plan."
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| 5. |
Ekon Benefits
Sept. 10, 2014
"While the opportunity for outperformance of actively managed funds is appealing, the argument against actively managed funds is that management fees and transaction costs cut into the investor's profit.... The argument against passively managed funds is that in market downturns, the passively managed funds follow the overall market, missing the opportunity to customize investments for the specific market environment.... The best option ... may be to mix active and passive investments, benefiting from the advantages of both fund styles."
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| 6. |
Ekon Benefits
Apr. 11, 2017
"Conducted in January, the survey polled 1,671 workers and retirees to judge their confidence in their ability to retire comfortably. Even with the stock market soaring to record highs and the economy showing signs of strength, the percentage of workers saying they are 'Very or Somewhat Confident' in their retirement prospects fell to only 60% from last year's 64%."
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| 7. |
Ekon Benefits
Mar. 5, 2017
"Members of this generation are less likely to have a pension than previous generations ... The Millennials who are investing to save for retirement may structure their portfolio too conservatively to minimize loss, but this also curtails potential gains in the process.... Millennials have two specific things working in their favor with regard to saving in your sponsored retirement plan, a long time horizon and the magic of compound interest."
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| 8. |
Ekon Benefits
Feb. 9, 2017
"What can Plan Sponsors learn from these latest lawsuits? ... Review your investment offerings and processes to identify shortcomings. Consider the following: Are processes for investment selection and review prudent and recorded? Is the fund lineup properly diversified among asset classes and sizes? Are fees reasonable? Do the funds have strong long-term performance?"
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| 9. |
Ekon Benefits
Jan. 12, 2017
"The proposed regulations would increase funding requirements and PBGC premiums beginning in 2018 for single-employer plans. In addition, the regulations would likely result in higher single sum distributions which primarily impact plans with lump sum distribution options. The direct impact on multiemployer and governmental pension plans is minimal; however, the new mortality rates will put additional pressure on these plan sponsors to ensure the mortality rates used for funding and accounting purposes are best estimate assumptions."
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| 10. |
Ekon Benefits
June 9, 2016
"For all but very well-funded plans, the variable rate premium is the largest portion of the total premium and, based on the same level of unfunded liability, is projected to increase over 80% from 2015 to 2019. However, there is a variable rate per participant premium cap that is based on the headcount of the plan.... [L]owering the headcount, such as through lump sum windows, would lower both the variable rate premium and the per participant premium[.]"
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