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Proposed 5500 Reform Won’t Help 401(k) Fee Benchmarking
401(k) fees can be impossible for plan fiduciaries and participants to compare apples-to-apples. Proposed Form 5500 changes will do little to help.
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GAO Recommends Much Needed 401(k) Fee Disclosure Reform
The GAO found 40% of plan participants do not understand the 401k fee information mandated by the DOL; recommends welcome fee disclosure reform.
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Could the FTC Save Consumers from Hidden 401(k) Fees?
The Institute for Policy Integrity petitioned the Federal Trade Commission (FTC) to ban “hidden fees in all industries." They should start with hidden 401(k) fees.
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The New Employee Fiduciary 401(k) Knowledge Center Is Here!
The Employee Fiduciary knowledge makes it easier for employers to offer a cost-efficient 401(k) plan and for employees to take full advantage of their plan.
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401k Fiduciary Liability Insurance – Factors that Raise Premiums
Understanding the factors that increase the price of 401(k) fiduciary liability insurance coverage can help plan fiduciaries more easily avoid liability.
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How to Simplify Your 401k Admin with a Cycle 3 Plan Restatement
Most 401(k) plans must be "restated" to reflect IRS-mandate Cycle 3 changes from August 1, 2020 to July 31, 2022. Here are some plan simplifications to consider.
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401(k) Plan Oversight - Understanding Your Fiduciary Hierarchy is Key
As a business owner, you want to understand the basic fiduciary hierarchy applicable to all 401(k) plans and the responsibilities of each role within it.
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401(k) Rollovers - How to Evaluate Your Options
401(k)s and IRAs can offer wide-ranging investments, fees, and features. Making a bad rollover decision can set your retirement back years.
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401(k) Earned Income – What Employers Need to Know
401(k) plans must allocate and test the contributions made to self-employed individuals using a special definition of plan compensation called earned income.
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Is Your Company Part of a Controlled Group? You Need to Know or Risk 401(k) Plan Disqualification
IRS controlled group rules often obligate 2 or more employers with common ownership to cover their employees with the same 401k plan in order to pass annual nondiscrimination testing.
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