RESOURCES for enhancing financial knowledge

Just as we are dedicated to bringing together all the pieces of your financial puzzle, we are equally committed to helping you understand them. We’ve compiled resources we think you’ll find valuable to help you grow your financial knowledge. Check back often for regular updates. As always, if there is anything else you ever need, feel free to let us know.

Increasing retirement plan participation in five steps
Article outlines five steps you can take to help increase participation in the plans you manage, as well as improve the overall health of your plans. Source: 

Helping highly compensated employees maximize their retirement saving
Highly compensated employees (HCEs) saving for retirement face both Internal Revenue Service limits on their individual contributions and limits effectively imposed on them by their plan’s need to pass nondiscrimination testing. This is why sponsors need help on how to maximize HCEs’ opportunity to save for retirement. Source: 

How to survive a market decline during retirement
Perhaps the greatest financial fear most retirees face is the fear of losing their money. When the inevitable market decline does rear its ugly head, how you react during the decline is just as important as the investments you had going into the decline. This is a guide that can ease the blow. Source: 

Frequently asked questions about 401(k) plans: the basics
The Investment Company Institute has updated its FAQs on 401(k) retirement plans. Some of the questions covered include: What is a 401(k) plan and how does it work? How have 401(k) plans grown since their introduction? What are the benefits of investing in a 401(k) plan? Is there a limit to how much an employee and employer can contribute to a 401(k) plan? Source: 

401(k) plan sponsors shift from investment focus to emphasizing retirement readiness
Over the last decade or so, perhaps with the advent of the popularity of target-date funds, we’ve seen a dramatic shift from focusing on retirement plan investments toward emphasizing retirement readiness. In recognition of their fiduciary duty, 401(k) plan sponsors have begun restructuring retirement plans to echo this movement. But are plan sponsors too late in making this change? Source: 

401(k) fiduciary and plan administrative support calendar and resource center
An interactive look at the key retirement plan compliance dates. Compliance dates and fiduciary milestones may vary from plan to plan, but this quarterly calendar provides a great starting point from which to create a schedule specific to your plan. Source: 

Why workers retire when they do: A survey of U.S. retirees
Why do people retire? It's a fairly simple question with what many would suppose is a fairly simple answer. But understanding the nuances of that question and answer becomes more important for employers, partly because the role of employers has changed and partly because the traditional model of full retirement at a fixed date is on the wane. Source: 

Cerulli report on leakage from retirement savings
Cerulli reports that distributions and defaulted loans in 401(k) plans outpaced contributions to those plans in 2014, with some $81 billion in outflows reported. The report suggests that employers can play a role to limit plan leakage by placing significant limitations on loans in their plan documents. Source: 

The new flexible retirement
This 28-page report illustrates that today’s workers are expecting to “transition” into retirement, but face a significant obstacle: Few employers have employment practices to support them. Policymakers, employers and workers each play a critical role in redefining retirement, retirement benefits and employment practices to keep step with increases in longevity and the implications of population aging. Source: 

Selecting an auditor for your employee benefit plan
Employee benefit plan audits have unique audit and reporting requirements and are different from other financial audits. Therefore, it is important that plan sponsors understand the unique qualifications needed for a plan auditor. This DOL publication will help you select an auditor for your employee benefit plan. Source: 

DC plans expected to exit prime money market funds
Consultants expect many defined contribution (DC) plans to move away from prime money market funds in the face of a looming October deadline for new SEC regulations that might create complications for sponsors. Here’s why. Source: 

Please consult a financial, tax or legal professional for further information related to any of these articles.

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