Viewpoints about Plan design
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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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Fund mapping 101: options for defined contribution plan conversions
Get to know three ways of moving the assets from one plan provider to another, and how to minimize disruption and even prioritize retirement readiness in the process.
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What are the long-term part-time rules under SECURE and SECURE 2.0?
The SECURE Act of 2019 contains a provision regarding long-term part-time employees that plans will need to consider this year, and the SECURE 2.0 Act of 2022 modified the rule. We’ll help you sort through what it all means for your plan.
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Three reasons CITs are gaining in popularity
In at least one key investment category, assets in collective investment trusts are expected to surpass mutual funds in 2024. Here are some of the reasons why CITs are popular.
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Considering SIMPLE IRAs, SIMPLE 401(k) plans, or SEPs? What to know
Learn the advantages and disadvantages of three retirement plan types designed for small businesses: SIMPLE IRAs, SIMPLE 401(k) plans, and SEPs.
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Three steps to help you create a competitive retirement plan
In today's tight labor market, your retirement plan benefits could be a key reason why an employee joins or stays with your organization. Consider these steps to help ensure your plan stands out from the competition.
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Where retirees are moving their 401(k) savings—and how to help them
It’s crucial for DC plan participants who are leaving their employer to do the right thing with their retirement savings. As part of our "State of the participant 2022" research, we looked at what workers who left their plans in 2021 did with their savings.
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Is a nonqualified plan right for your business?
A nonqualified deferred compensation (NQDC) arrangement can be an effective talent acquisition and retention tool. But how you optimize plan design can depend on your business objectives. Here are a few questions that can help you determine if an NQDC plan may be right for your business.
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To fund or not to fund—that is the nonqualified plan question
Nonqualified plans aren’t subject to many ERISA regulations, which may create more plan design flexibility and when it comes to funding the plan, you have two options—unfunded or informally funded. Let’s compare the two.
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