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The Myth of the 15 Minute 401(k) Plan Setup
The consequences of a poorly-designed or misunderstood 401(k) plan are great. Small businesses should take more than 15 minutes to setup a new 401(k) plan.
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John Oliver Should Be Upset; His Hancock 401k Fees Are Too High!
John Oliver attacks his company’s John Hancock 401k plan. Hancock makes misleading statements in rebuttal. What’s the truth about Hancock 401k fees?
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401(k) Disclosure Rules Are Out of Date; It’s Time for Common Sense Reform
Current ERISA regulations make electronic delivery of participant disclosures risky for small business 401(k) fiduciaries. It's time for reform.
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What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions
Simplified Roth IRA rollover rules have raised much media buzz about 401k after-tax contributions resulting in many small business owner inquiries.
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How to Evaluate 401(k) Provider Competence in 2 Easy Steps
ERISA requires small business 401(k) fiduciaries to select “competent” 401(k) providers, but this job can be difficult due to the technical complexity of 401(k) services. To simplify the evaluation of provider competence, fiduciaries should focus on objective criteria that indicate competence.
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Plan Participation Problems? No Problem
Sometimes it can be a struggle for plan sponsors to encourage participation in their company’s 401k plan. Plan design options as well as participant education can make a huge difference in participant interest and enthusiasm about saving.
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What’s the #1 Reason for 401(k) Lawsuits? Overpriced or Superfluous 401(k) Services
The DOL’s new fiduciary rule will make the value of 401k services more important than ever. Small business 401k fiduciaries should root out overpriced or superfluous 401k services to protect themselves from personal liability.
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Setting Up A 401(k) Plan: The Cliff Notes
Many plan sponsors can sometimes be overwhelmed by the idea of setting up a 401k plan and its responsibilities. A high level review of what is required and setting a budget can help set plan sponsors up with realistic expectations and ease fears about 401k plan set-up.
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The DOL’s New Fiduciary Rule – the Value of 401(k) Investment Services Will Be More Critical Than Ever
The final version of the DOL’s fiduciary rule was released April 6. This rule will make the value of 401k investments and related services more critical than ever for small businesses and financial advisors.
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3 Tax Advantages of 401(k) Plans
Among the many 401(k) benefits for small business plan sponsors and participants, there are some great tax advantages. The sooner a 401(k) plan is established, the greater the benefits.
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