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Retirement Plans Resource Page

Retirement Plans Resource Page

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DOL Boosts State-Run Retirement Plans for Employers
The Department of Labor (DOL) issued guidance clarifying that individual states are authorized to sponsor and administer 401(k) plans for a wide range of businesses and that the state, and not the employer, will function as the fiduciary in these retirement saving programs.

Higher PBGC Premiums May Mean Fewer Pensions
The Bipartisan Budget Act hikes annual premiums that pension plans pay to the Pension Benefit Guaranty Corporation (PBGC). Expect more lump-sum payouts and annuity buyouts, sponsors and advisors said.

Doallar-for-Dollar Is Most Common Match
The most common employer 401(k) match is now on a dollar-for-dollar basis, according to a new survey. Employers also are automatically enrolling employees into their plans at higher salary-deferral rates to increase participation and encourage savings.

401(k)s Shifting to Fixed-Dollar, Per-Head Fees
Paying plan administrators a fixed-dollar, per-head fee (rather than a percentage of plan assets) is seen by a growing number of 401(k) plan sponsors as a more-transparent and fair approach.

DOL Gives an OK to ‘Socially Responsible’ Funds
The Department of Labor (DOL) issued new guidance clarifying when it is acceptable for fiduciaries to invest pension assets in funds that promote environmental, social and governance goals.

For 2016, 401(k) Contribution Limits Stay Put
Annual limits and maximums for 401(k)-style defined contribution retirement plans and defined benefit pension plans will stay largely unchanged in 2016 due to low inflation, the IRS announced.

401(k) Hardship Withdrawals Can Be Hard on HR
Requiring and retaining proof of the hardship—such as employees’ late-payment notices—is crucial to avoid penalties following an IRS audit.

401(k) Year-End Notice Deadline Is Dec. 1
401(k) plan required notices to employees for calendar-year plans will soon be due. Three of the most common year-end notices are safe harbor notices, qualified default investment alternative (QDIA) notices, and automatic contribution notices.


 Related Resources


'Choose to Save' Resources. Find brochures, calculators, public services announcements and other materials that can help plan sponsors promote retirement plan participation at, a project of the nonprofit Employee Benefit Research Institute.

DOL's Lifetime Income Calculator. Via DOL.

Making Sense of the Uncashed Retirement Plan Check Dilemma. Via Inspira.

Social Security Resources:




How America Saves: The Coalition to Protect Retirement
This SHRM-chaired coalition is working to defend the special tax treatment of retirement savings.


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Increasing Plan Participation
Focus on HR's host Kathleen Koch speaks to Linda Robertson and Ric Edelman about boosting employee participation in retirement plans.
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