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mark61504
Feb 5, 20241 min read
Sponsor Trends Past & Present
According to one major recordkeeper survey of their clients, they found the following trends as the leading changes ending in 2022 (in...
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mark61504
Nov 21, 20231 min read
Thinking of Offering a Plan, SECURE 2.0 is Here to Help
For many employers, offering a 401K plan is often viewed as a luxury of larger companies. The perceived complexity can be enough to...
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mark61504
Nov 6, 20231 min read
Plan Design Ideas for 2024
While everyone is already tired of talking about SECURE Act 2.0, what about some of those tax credits that you could get from the...
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mark61504
Jun 21, 20231 min read
SECURE 2.0 Provisions for 2026
In 2026, what is old is suddenly new again as paper statements have a forced comeback under the SECURE Act 2.0. In addition, lower...
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mark61504
Jun 3, 20221 min read
Hypothetical Trade-Offs and What They Tell Us About Ourselves
According to a 2021 PLANSPONSOR Participant Survey, the average retirement saver may not be that savvy. That is of course not what the...
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mark61504
Mar 9, 20221 min read
Another Proprietary Fund Lawsuit: What does independent even mean?
Lowe's famous tagline is "Do it right for less". In the case of their 401K plan, a judge found Aon didn’t violate ERISA when encouraging...
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mark61504
Feb 23, 20221 min read
Medicare Premiums: Inflation Strikes Again
The standard Medicare Part B premium which covers doctors visits and other outpatient services increased to $170.10 per month in 2022. ...
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mark61504
Nov 5, 20211 min read
2022 Retirement Plan Limits
Balancing a plan with changing demographics can be a challenge. Employee turnover in a small retirement plan can make or break your plan...
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mark61504
Sep 29, 20212 min read
Missing Participant Guidance
The Department of Labor has issued guidance to help retirement plan fiduciaries when trying to locate and distribute retirement benefits...
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mark61504
Aug 19, 20211 min read
Lifetime Income Illustrations in the SECURE Act
Here they come. If your plan provider wasn't already doing this, they will be providing lifetime income illustrations beginning after...
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mark61504
Aug 4, 20211 min read
It Takes a Village
With each passing day we read in the news about yet another security breach. Whether it is our pipelines or meat processing plants,...
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mark61504
Jul 7, 20211 min read
I thought I fired that guy?
In January of 2021, the US Department of Labor published compliance assistance release No.2021-01 regarding the investigation process and...
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mark61504
Jun 30, 20211 min read
Is Data Valuable and How Should Committees Document Their Review?
YES, data is very valuable. Some recent court cases against institutions of higher learning's 403b plans and against Shell Oil Company...
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mark61504
Jun 17, 20211 min read
You did it, now what's next?
After decades of saving, you paid off the home, you saved in your retirement plan, and hopefully, you have some money left over after you...
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