Viewpoints about Fiduciary
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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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Best practices for ERISA retirement plan fiduciaries
The rules for retirement plan fiduciaries are set out by the Employee Retirement Income Security Act of 1974 (ERISA). We’ve outlined key best practices to help fiduciaries navigate their plan governance, investments, operations, and other duties.
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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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DOL issues final amendments to the Voluntary Fiduciary Correction Program
The EBSA issued final amendments to the Voluntary Fiduciary Correction Program and Prohibited Transaction Exemption that are effective on March 17, 2025. Learn about the enhancements.
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Helping unlock better outcomes with effective retirement plan design
Find out how your retirement plan design can help drive better outcomes and improve retirement readiness.
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