Plan sponsor newsletter
Q2 2025
Our commitment to you
For more than 50 years, we’ve been helping people confidently save and invest for retirement, and today, we’re one of the largest full-service providers in the United States.1
We partner with intermediaries you choose, making it easier for you to offer a retirement plan that leads to better outcomes. Together, we help you manage your plan, educate and engage your participants, and reach your goals. We support more than 3.2 million participants, 57,074 plans, and $235 billion in assets under management and administration (AUMA).2
Everything we do is guided by our three core principles:
1 Making your job easier
2 Providing service excellence
3 Delivering better outcomes
Thank you for your continued partnership.
Resources to navigate market uncertainty
Learn how to help participants keep long-term goals in mind during times of market volatility.
This valuable resource provides insight into:
- What’s happening in the markets today
- How it may affect future retirement
- Making informed decisions in times of volatility
Our market volatility library can help participants through a difficult cycle.
Using the most recent tax forms is critical for keeping your plan in compliance.
According to IRS Section 3405(e)(10), companies must inform their employees of their right to opt out of withholding. Using the most recent IRS Form W-4R and W-4P helps ensure you’re in compliance with these regulations.
The updated tax forms incorporate the latest IRS adjustments, including revised marginal tax rates, which allow for accurate withholding options. Your compliance is crucial for informing your employees about their withholding rights.
You can find the current version of forms on our website. Using these forms can help prevent delays in payments to your employees and their beneficiaries.
It’s about time: keeping goals on track
Our theme for our Q2 It’s about time program is “Steps to help keep goals on track.” Encouraging healthy money habits can help your participants with saving for retirement and strengthening their financial well-being.
Here’s how we plan to engage with participants:
- Financial well-being quarterly emphasizes the importance of staying actively engaged with finances. To celebrate Financial Literacy Month, participants have the opportunity to watch our on-demand presentation on financial wellness, complete a financial well-being survey, and explore tools and resources available through their retirement plan to enhance their financial well-being.
- Journey-based outreach nudges participants to start saving, save more, or consider personalizing their retirement strategies.
- We’re hosting webinars on topics about looking ahead to retirement and doing a midyear check-in. Your participants can register for these webinars by visiting myplan.johnhancock.com and selecting the webinar link on their homepage sidebar.
And don’t forget about our advocacy campaigns, which you can easily integrate into your internal communication channels to help reinforce positive saving and planning behaviors. This quarter’s campaign, which will be available in May, focuses on steps to help keep your participants on track and engaged with their finances.
Visit the It’s about time program page for the schedule of upcoming initiatives, sample communications, and advocacy campaign materials.
Staying informed on SECURE 2.0 updates
We’re committed to keeping you up to date on all things SECURE 2.0 Act by regularly refreshing our dedicated landing page.
Check out the latest updates on SECURE 2.0.
Fiduciary roles and responsibilities webinar
Join our industry specialists on May 20 at 2:00 P.M., Eastern time, for a discussion on the roles and responsibilities of ERISA fiduciaries. You can learn helpful strategies to meet today’s challenges and navigate through the evolving regulatory and legislative environment.
You’ll leave with a better understanding of:
- The important roles ERISA fiduciaries play
- The current retirement landscape
- ERISA litigation trends
- Best practice considerations
Attendees gain direct access to our library of fiduciary resources, which includes helpful FAQs and a checklist to monitor your progress in completing important fiduciary tasks.
A certificate of completion is provided.
Legislative and regulatory updates webinar
The year started off with a wave of regulatory guidance and a high-profile court decision.
Listen to our ERISA specialists’ discussion on today’s most pressing topics, including:
- IRS-proposed SECURE 2.0 regulations: mandatory automatic enrollment and catch-up contributions
- The latest DOL guidance on missing participants
- Updates to the DOL Voluntary Fiduciary Compliance Program
- The American Airlines ESG lawsuit
Managing shortfall risk in retirement planning
Explore our analysis, “Longevity risk: how longer lifespans affect shortfall risk in retirement planning,” to gain insight into the factors that can affect shortfall risk and how to help mitigate them.
With people living longer, preparing for financial stability throughout retirement is more important than ever. Learn more about how you can help your participants stay on track.
FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS.
Important disclosures
The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.
Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, neither entity is undertaking to provide impartial investment advice or give advice in a fiduciary capacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.
Manulife, Manulife Retirement, Stylized M Design, and Manulife Retirement & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and John Hancock and the Stylized John Hancock Design are trademarks of John Hancock Life Insurance Company (U.S.A.). Each are used by it and by its affiliates under license, including John Hancock Life Insurance Company of New York.
NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.
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