Viewpoints about
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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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Three steps to help you create a competitive retirement plan
Wondering how to sway workers to join and stay with your company? Follow three steps to help create a 401(k) that can attract and retain a strong workforce.
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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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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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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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Building a bridge to span decades of retirement
See what John Hancock Retirement CEO Wayne Park has to say about building financial resilience amid growing longevity, citing results from our tenth annual survey.
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Four key questions at the heart of a Taft-Hartley DC plan strategy
If you were to start a defined contribution (DC) plan for union members, where would you begin? A Taft-Hartley DC plan’s structure is driven by its strategy. And this strategy comes down to the answers to a few fundamental questions, including these.
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Five ways to boost your retirement plan’s ability to help retain employees
Your retirement plan can be an better resource for holding onto valued employees. See how to design in compelling advantages for active, long-term participants.
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What’s a dynamic QDIA—and how might it help participants?
With a dynamic QDIA approach, a plan sponsor can start off participants in one default investment option and switch them to another in later years. See how this design option can fit the needs of participants as they get older.
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A framework for analyzing 401(k) plans with key HCE populations
HCEs pose a unique challenge for 401(k) plan sponsors. Our framework provides a starting point for diagnosing the opportunities and limitations highly compensated employees face in a 401(k) plan—and, ultimately, for designing a better solution.
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