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Four Things to Know about ERISA Fidelity Bonds and Fiduciary Liability Insurance

The Employee Retirement Income Security Act known as “ERISA” regulates 401(k) and most other types of employee benefit plans. Under ERISA, anyone who handles retirement plan funds must be

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Understanding How Forfeitures Work in Your Retirement Plan

When we talk about 401(k) retirement plans, we sometimes focus on the contributions made by employees that are always immediately vested. In other words, it’s their money and they can

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Encourage Greater Participation with a QACA Safe Harbor

You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while

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Your World Evolves and Your Retirement Plan Should Too

The written version of your retirement plan, your plan document, defines how the plan operates. Naturally, when you started your plan, it reflected what we knew about you and your company at

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The Loan They Never Take May Make All the Difference

IRS rules provide for participant loans and hardship withdrawals from 401(k) and other plans. They’re not required, but rather left to the discretion of you, the plan sponsor. Today,

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Understanding Financial Statement Audits

While we hope you have never had to experience it, you’re no doubt familiar with the idea of an audit of your personal or corporate tax return. But you may not be familiar with an audit of

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Aligning Plan Design with Your Goals

Most of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way.

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3(16) Fiduciary Service and Why You Should Care

People who exercise control and authority over the management of a retirement plan’s assets are fiduciaries. So are professionals who provide investment advice with respect to those

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To Roth or Not to Roth

A compelling feature of a 401(k) plan has always been the opportunity to contribute money from your current income on a pre-tax basis today – let it work for you over the years – and

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Cash Balance Plans Allow Six Figure Annual Contributions

Most people can contribute to their 401(k) without worrying about exceeding the annual contribution limit. If you’re under 50 years old, that’s $19,000 a year. If you’re 50 or