Employer Connect

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Saving for retirement takes time and perseverance. So, how can you help your employees get started and establish a disciplined savings path toward retirement?
  Understanding Why
a QDIA Matters

You may understand how a QDIA works as a default investment choice for your employees. But do you also appreciate how your plan’s QDIA provides you specific fiduciary protection?
To Roth or Not to Roth

Many business owners are comfortable with the notion of a Roth IRA. Far fewer understand and appreciate the benefit of contributing post-tax dollars in a Roth 401(k) account as compared to others. 
Financial Wellness Is Essential to Saving for Retirement

You know how important debt management, and emergency funds are to a stable financial future, and how difficult it is for many people to establish a plan to make it happen.
Defined Benefit Plans
are Alive and Well

You’ve likely heard about a decline in the number of Defined Benefit plans. But the reality is a DB plan is still a great tax and retirement savings option for the right client. Are you one?
Cash Balance Plans Allow Six Figure Annual Contributions

A small and important segment of the population has the ability–and desire–to contribute significantly more to their retirement account.
When to Set Sail
with Safe Harbor

Many company owners actively seek to maximize their 401(k) contributions each year. That’s a great goal, but it can be problematic if your plan fails to meet the nondiscrimination rules.
Did You Know You Are a Fiduciary?

As a plan sponsor of a qualified retirement plan, you are a fiduciary of your plan. Unfortunately, some don’t know that. Nor do they understand the practical ramifications of this.
Plan Fiduciary Services
and Why They Matter

You may not recognize that, as a sponsor of a qualified retirement plan, you have a very important fiduciary role based on your control and authority over the administration of your plan.
The Loan They Never Take May Make All the Difference

Today, there's debate about how participant loans affect long-term retirement outcomes. Gain insight on how to help employees think more critically about managing their financial realities.
Understanding How Forfeitures Work in Your Retirement Plan

Employee contributions to a 401(k) plan must always be 100% vested. However, employer contributions may have a vesting schedule attached to them.
Maximizing a Business Owner's Retirement Benefit

Business owners put everything into their businesses for years before being in a financial position to put real money away for retirement. But once you're well positioned to get serious about saving...
Understanding Financial Statement Audits

While we hope you never have had to experience it, you’re familiar with the idea of a tax return audit. But you may not be familiar with an audit of your qualified retirement plan.
Advantages of an Unbundled Retirement Plan Solution

Buying “off the rack” can be cost effective, but often limits choice and certainly flexibility. And we all know that a custom approach will typically offer the best fit.
Aligning Plan Design
with Your Goals

A generic or turn-key, “low-cost” retirement plan might be compelling. But a plan that is a poor fit with your goals or employee demographics can end up becoming very costly in the long run.
Encourage Greater Participation with a QACA Safe Harbor

The unique characteristics of QACA can boost participation rates and put more of your employees on a savings path. Learn how this option works.
It's Time to Restate Your Defined Benefit Plan Document

When Congress passes new laws that impact how retirement plans work, the IRS and other agencies create new regulations to reflect these changes and, as you might expect, some need to be incorporated into your plan document.
Your World Evolves and Your Retirement Plan Should, Too

Every business has its own lifecycle. Over time, your business grows and changes.. These changes can impact the needs and goals you – and your employees – have with respect to your retirement plan.
Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

Under ERISA (the set of federal regulations that govern your retirement plan), anyone who handles plan funds must be covered by a fidelity bond. That may include you.

The goal of our nation’s retirement system is to create more opportunities for American workers to save and to make it easier for employers like you to start and maintain benefit plans. With this in mind, Congress just passed, and the President signed the SECURE Act.