Winter 2019 Newsletter

• It’s Testing Season!
• Upcoming Compliance Deadlines for Calendar-Year Plans (12/31)
• Know Your Options
• The 401(k) Turns 40

Winter 2018 Newsletter

• Hardships Get a Little Easier
• 2019 Cost of Living Adjustments
• Helping Hands
• ‘Tis the season…
• Upcoming Compliance Deadlines for Calendar-Year Plans (12/31)
• Port in the Storm

Summer 2018 Newsletter

• The Retirement Income Gap
• What can cause a shortfall?
• Social Security – Timing is Everything
• What happens if you claim early?
• Retirement Accounts
• What can employees do to boost their savings?
• Helpful Hints for Plan Sponsors
• Upcoming Compliance Deadlines

Spring 2018 Newsletter

• Who is an Employee?
• Employee Definitions
• HSA vs 401(k)
• Comparison Chart
• Upcoming Compliance Deadlines

Winter 2018 Newsletter

• Navigating Distributions
• Required Minimum Distributions (RMDs)
• Hardships and Loans
• Terminated Participants
• Mandatory Cash-Outs
• Under the New Tax Law
• 401(k) Loan Payback Period gets extended!
• Recharacterizations of IRAs… Can I take a mulligan?

December 2017 Newsletter

• End of the Year Checklist
• Data
• Notices and Deadlines
• iWork: The Next-Gen Workforce
• 2018 IRS Annual Limits

September 2017 Newsletter

• Fiduciary Rule Round Up
• Who is subject to the new rule?
• Does the new rule only apply to investments in our retirement plan?
• If this is about protection, what’s the downside?
• What Plan Sponsors Need to Know
• Technically Speaking
• Don’t Get Ahead of Yourself Quite Yet…
• Houston, We Have a Problem…

April 2017 Newsletter

• Common Participant Communications Acceptable via
  Electronic Delivery
• Acceptable Methods of E-Delivery and their Requirements
• Participant Consent
• The Benefits of Electronic Delivery
  • Accessibility
  • Financial and Environmental Benefits
  • Security and Recordkeeping
• Conclusion

In this issue:

• Introduction
• Do you have copies of all the plan documents and records?
• Are you properly insured as a plan sponsor?
• Do you timely distribute required documents, notices and educational retirement fund materials to your employees?
• Are you depositing 401(k) deferrals and loan repayments by the required deadlines?
• Are you enrolling and covering the right employees?
• Are you monitoring the plan’s fees?
• Do you have an investment plicy statement (IPS)?
• When was the last time you reviewed your employee retirement plan to see if it still fits your current needs?
• Conclusion

February 2017 Newsletter

• Introduction
• Uncashed Checks are Plan Assets
• What Should Plan Sponsors Do?
• Searching for Missing Participants
  •     Required Steps
  •     Reasonable Additional Steps
• What are the Options if the Participant Cannot be Found?
  •     Return Funds to the Plan
  •     Forfeit the Account Balance
  •     Roll Over Assets to an IRA
  •     Withholding 100% of the Participant’s Account Balance is not an Option
• Preventive Action Tips
• Conclusion