Viewpoints about 401(k) fees and testing
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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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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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What employee classification means for your 401(k) testing
Your 401(k) plan and an individual’s working relationship with your business are interconnected. Learn how employee classifications can affect how you manage your plan.
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The basics of the 401(k) coverage test
The 401(k) coverage test is one of the nondiscrimination tests plan sponsors must perform each year to keep their plan compliant. Find out what’s involved in completing this test.
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A guide to 408(b)(2) fee disclosures for retirement plan sponsors
ERISA Section 408(b)(2) stipulates that covered service providers must disclose information about their services and fees in writing to the plan’s fiduciaries. And as a fiduciary, you must evaluate the disclosures and determine whether the cost of services provided by the plan’s CSPs is reasonable.
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What you need to know about new comparability plans
Qualified retirement plans that offer customizable contribution levels can be a good fit for many small businesses.
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