Viewpoints about 401(k) fees and testing
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SECURE 2.0 tax credits: a way to compete with state retirement plans
Find out how the SECURE 2.0 tax credits can help financial professionals overcome the cost advantage of state-facilitated retirement plans and open doors in the small plan market.
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How SECURE 2.0 can help your employees save more for retirement
Many sections of SECURE 2.0 Act are focused on making it easier for people to save for retirement. Get to know the provisions that can help your participants get on a better path to retirement readiness.
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14 answers you should know about 401(k) eligibility and vesting
Eligibility and vesting among the most profound decisions you make about a 401(k) plan. Based on a thorough review of ERISA regulations, here’s some bite-sized information to help you understand the basics.
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401(k) plan design: deciding who’s eligible
Employer-sponsored retirement plans play a significant role in attracting and retaining employees, with 401(k) plans leading the pack.
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401(k) nondiscrimination testing—a guide for plan sponsors and other fiduciaries
Nondiscrimination tests are designed to prove that qualified retirement plans aren’t just benefiting the highly compensated. Here's a review of how these tests work—and the penalties plan sponsors can pay if they get a failing grade.
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The importance of offering 401(k) loans with guardrails
Offering 401(k) loans with guardrails can help encourage responsible borrowing. Learn how to create a loan policy that provides access while helping participants keep their savings on track.
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Bundled or unbundled 401(k) plan—which is right for you?
401(k) plan services are often described as bundled or unbundled. Find out what this means and factors to consider when deciding which approach may be suitable for your plan.
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403(b) vs. 401(k) vs. 457(b)—what's the difference?
If you’ve changed jobs during your career, chances are you’ve participated in a few employer-sponsored retirement plans. If you have an account with more than one of these plans, it’ll help to know what the differences are and your options for managing them when you leave your employer.
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How SECURE 2.0 changes RMDs, catch-up contributions, and Roth
SECURE 2.0 uses two key elements of qualified plans to make saving easier for preretirees and retirees. Learn which rules have changed and what they mean for your plan and participants.
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Four important new rules for Roth in SECURE 2.0
SECURE 2.0 uses four provisions focused on Roth. We’ve compiled our key takeaways from SECURE 2.0 for Roth IRAs and workplace plans.
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