Viewpoints about Fiduciary
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What plan sponsors need to know about 401(k) hardship withdrawals
Are hardship withdrawals right for your plan? Explore IRS rules and key considerations to help you decide.
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Who counts as an employee for your 401(k) plan—and why it matters
Do you know which employees count for your 401(k) plan? Learn how worker classifications can affect plan eligibility, testing, and administration.
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Five things to know about the IRS’s latest DC plan restatement cycle
Find out five things you should know to help you understand the restatement process for defined contribution plans.
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What’s a safe harbor 401(k) plan?
Does your traditional 401(k) plan have trouble passing the nondiscrimination tests? Want a retirement plan that’s easier to administer? A safe harbor 401(k) plan could be the answer. Learn why.
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What’s a 401(k) employee census?
An employee census is a report with key information about all your employees. Sharing complete and accurate census data with your recordkeeper or third-party administrator (TPA) helps keep your plan running smoothly and supports a better experience for both you and your employees.
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Supporting financial decision-making as clients age
Help clients protect their savings as they age. Learn practical ways you can support their financial decision-making and reduce fraud risks.
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The basics of the 401(k) and Roth coverage test
Coverage testing is one of the annual compliance tests that 401(k) and Roth plan sponsors must perform each year. Here are some FAQs to help you fulfill your responsibilities and keep your plan compliant.
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Five reasons your small business may need a retirement plan
With new laws, growing employee expectations, and valuable tax incentives, we'll explore five reasons a retirement plan may make sense for your small business and compare common plan options to help you find the right fit.
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What’s a QDIA?
If a participant doesn’t choose investments, you must select a default option, which affects both fiduciary liability and retirement readiness. Using a qualified default investment alternative (QDIA) as the default can help manage both.
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Understanding safe harbor 401(k) plan design
Struggling with 401(k) ADP and ACP testing? A safe harbor plan can help. Explore how it works to see if it's a good fit for your organization.
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