(b)lines Ask the Experts – The Difference Between QPSAs and QJSAs
“What is the difference between a QPSA and QJSA?”
Ask the Experts
(b)lines Ask the Experts – What Is a Financial Wellness Program?
“I keep hearing about the concept of financial wellness, but I am not quite certain what it means.
(b)lines Ask the Experts – Adding Roth When After-Tax Already Exists
“We are considering adding Roth contributions to our 403(b) plan.
(b)lines Ask the Experts – Why Conduct an RFP for a Recordkeeper?
“Why should I conduct a request for proposals (RFP) for a recordkeeper for my retirement plan?”
(b)lines Ask the Experts – Can a 403(b) Offer Managed Accounts?
“Can a 403(b) plan offer managed accounts?”
(b)lines Ask the Experts – Due Diligence Before Mergers
“I work at a health care facility where we are considering merging with another facility.
(b)lines Ask the Experts – Nondiscrimination Testing Required for 403(b)s
“What types of nondiscrimination tests are required for 403(b) plans? For example, is a top-heavy test required?”
(b)lines Ask the Experts – Can the 15-Year Catch Up Be Phased Out?
“I just read the June 30th Ask the Experts Column about 15-year catch-up, and had a question about the final paragraph of the article.
(b)lines Ask the Experts – Should the 15-Year Catch Up Be Eliminated?
“Do the experts have any thoughts on the 15-year catch-up election?
(b)lines Ask the Experts – Form 5500 Fee Info Doesn’t Match Plan Expenses
“I am commencing the process of reviewing the 2014 Form 5500 for our calendar-year ERISA 403(b) plan.
(b)lines Ask the Experts – Do We Have to Hire an Outside Adviser?
“I work at a Employee Retirement Income Security Act (ERISA) 403(b) plan sponsor. We currently do NOT engage an investment adviser for the plan. Instead, we review the...
(b)lines Ask the Experts – What Is Gamification?
“A representative from the recordkeeper for our 403(b) plan referred to the concept of ‘gamification’ the other day.
(b)lines Ask the Experts – What Is a 1035 Exchange?
“I received a form from a participant in our 403(b) plan requesting a “1035 exchange”. What in the world is a 1035 exchange?”
(b)lines Ask the Experts – Prior (b)lines Ask the Experts Articles
“I very much enjoy Ask the Experts, but am sometimes unable to keep up-to-date on the column, and wonder if prior columns have already answered questions I have.
(b)lines Ask the Experts – Difference Between 403(b) and 401(k) Vendor Contracts
“I am a benefits manager who recently became employed at a large nonprofit after having been in the corporate world.
(b)lines Ask the Experts – Will the DOL Proposal Make Me a Fiduciary? Part II
“I read with great interest your recent Ask the Experts column about a benefits manager who worked with consultants to put together investment information for an ERISA plan’s...
(b)lines Ask the Experts – Employer Contribution Availability for Hardship Withdrawals
“Can employer contributions to 403(b)(1) fixed/variable annuities be withdrawn for financial hardship? I reviewed the 403(b) regulations in this regard, but could not find a reference to hardship.”
(b)lines Ask the Experts – Will the DOL’s New Proposal Make Me a Fiduciary?
“As an employee benefits manager for a large nonprofit hospital, I work with our plan consultants to put together investment recommendations for our Employee Retirement Income Security Act...
(b)lines Ask the Experts – Who Is the Plan Administrator?
“Do the Experts know who/what is the Plan Administrator?
(b)lines Ask the Experts – Which 403(b) Plan Is the Oldest?
“Since our University is currently on spring break I thought that I would take the time to ask the Experts a bit of a trivia question.