April 15, 2014 (PLANSPONSOR (b)lines) – “I am working with a plan sponsor that thought it had executed a 403(b) plan document back in 2008, but all that...
April 8, 2014 (PLANSPONSOR (b)lines) – “Are we expecting vendor-provided 403(b) prototype documents anytime soon? I seem to recall from a prior Ask the Experts article that the...
March 25, 2014 (PLANSPONSOR (b)lines) – “Just heard the Department of Labor has updated its fee disclosure requirements. Is there any immediate action I need to take as...
March 18, 2014 (PLANSPONSOR (b)lines) – “We sponsor both a 403(b) plan and a 457(b) ‘top-hat’ deferred compensation plan for select management/highly compensated employees.
March 11, 2014 (PLANSPONSOR (b)lines) – “Our college, a tax exempt 501(c)(3) organization, maintains a separate offsite center in Washington, D.C. to allow our students to experience a...
March 4, 2014 (PLANSPONSOR (b)lines) – “I realize that fiduciary responsibility is quite clear in 403(b) plans that are subject to the Employee Retirement Income Security Act (ERISA).
February 11, 2014 (PLANSPONSOR (b)lines) – “Our plan recently received a Securities and Exchange Commission (SEC) settlement check for approximately $500.00 related to market-timing that occurred in one...
February 4, 2014 (PLANSPONSOR (b)lines) – “Our 403(b) retirement plan provides for matching contributions, which we test for satisfaction of the Average Contribution Percentage, or ACP, test each...
January 21, 2014 (PLANSPONSOR (b)lines) – “We have automated caps in our payroll system that prevent deferrals in excess of the permissible 402(g) limit.
January 14, 2014 (PLANSPONSOR (b)lines) – “Some of our clients plan on keeping their individually designed 403(b) plan documents after the IRS begins approving prototype and volume submitter...
December 24, 2013 (PLANSPONSOR (b)lines) – “I seem to recall a reader suggesting a “wish” list to Santa last year in Ask the Experts. Did Santa deliver on...
December 17, 2013 (PLANSPONSOR (b)lines) – “Our 403(b) plan appears to have a loan utilization problem: Many more loans are taken on our plan than in those of...
December 10, 2013 (PLANSPONSOR (b)lines) – “The recent deadline for distribution of QDIA Notices, automatic enrollment notices, and safe harbor plan notices was December 1 for calendar year...
December 3, 2013 (PLANSPONSOR (b)lines) – “We are a private tax-exempt entity that sponsors a 457(b) plan for select management or highly compensated employees, in addition to our...