Viewpoints about Plan design
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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, defined contribution plan assets in collective investment trusts could surpass mutual funds in 2023. 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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A framework for designing 401(k) plans to support M&A deals
Mergers and acquisitions can create significant retirement plan changes for the entities and employees involved. This four-step framework provides retirement plan consultants a good starting point for steering your clients through these critical transitions.
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Getting started with 401(k) problem-solving
Financial professionals with the skills and tools to uncover and resolve retirement plan issues can help add more value to a plan sponsor’s program. Here are a few steps to help you get started.
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Evidence-based ideas for a 401(k) plan design upgrade
John Hancock’s 401(k) data reveals plan-level progress under way and sets clear direction for future improvements.
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