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Retirement Plans Resource Page

Retirement Plans Resource Page

 Latest Articles


Post-Employment 401(k) Rollovers: What HR Should Ask
The Department of Labor’s proposed fiduciary rule will affect the advice that departing employees can receive about rolling over their 401(k) funds into an individual retirement account (IRA). Now is a good time for plan sponsors to review what their vendors are telling participants regarding 401(k) rollovers.

The Benefits of a Prevailing Wage Retirement Plan
Government contractors must pay nonunion workers a “prevailing wage” under the Davis Bacon Act, one component of which covers the value of benefits, to be paid in cash or through a prevailing wage plan. Here’s why a contractor should consider the latter.

IRS to End Determination Letters for Qualified Plans
The IRS is eliminating the staggered five-year determination letter remedial amendment cycles for individually designed tax-qualified retirement plans. Some employers may decide to switch to plans pre-approved by the IRS.

Guidance Eases Use of Annuities in 401(k)Plans
The Obama administration is taking further measures to encourage the use of annuities in 401(k) and other defined contribution plans, in order to provide a lifetime income stream similar to payouts from a defined benefit pension.

White House Proposal Requires Auto-IRA Option
President Obama directed the Department of Labor to issue a proposed rule by yearend addressing statewide mandates that employers automatically enroll employees without other workplace retirement plans into individual retirement accounts (IRAs).

IRS Notice on Pension Lump Sums Causes Confusion
A recent IRS notice addressing a relatively narrow issue involving lump-sum distributions from defined benefit pension plans has led to confusion—especially in casual social media discussions.

A 401(k) Fiduciary Checklist
Items to consider when selecting to an outside service provider to handle retirement plan oversight responsibilities.

Couples Disconnect on Retirement Plans, Savings and How Much the Other Half Makes
Most couples talk past each other when it comes to financial matters, but planning together could make a big difference in determining whether they are saving adequately to prepare for retirement.

Fiduciary Standard Sparks Contentious Debate
Applying the stricter standard to 401(k) advisers is either a necessary safeguard or a needless burden and expense.

Many Don’t Know They’re Paying 401(k) Fees
A new study identifies a strong link between transparent fee information and the level of trust that participants have in their retirement plans.


 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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