(b)lines Ask the Experts – Same-Gender Marriage Rules and non-ERISA Plans
April 29, 2014 (PLANSPONSOR (b)lines) – “I work with a public school district and our 403(b) plan is not subject to ERISA. Is there any impact on the...
Ask the Experts
(b)lines Ask the Experts – Failure to Amend Plan Document
April 22, 2014 (PLANSPONSOR (b)lines) – “I read with great interest last week’s Q&A regarding the corrective procedure for failing to adopt a written 403(b) plan.
(b)lines Ask the Experts – Correction for Failure to Adopt a Plan Document
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...
(b)lines Ask the Experts – Delay of Pre-Approved Plan Documents
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...
(b)lines Ask the Experts – Differences in RMDs for 403(b) Plans
April 1, 2014 (PLANSPONSOR (b)lines) – “I have traditionally worked with 401(k) plans, but my new employer sponsors a 403(b) plan.
(b)lines Ask the Experts – DOL’s New Fee Disclosure Proposal
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...
(b)lines Ask the Experts – Correcting 457 Plan “Unforeseeable Emergency” Distribution
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.
(b)lines Ask the Experts – Plan Participation by Related LLCs
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...
(b)lines Ask the Experts – Which States Have Fiduciary Laws for 403(b)s?
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).
(b)lines Ask the Experts – Incentivizing 403(b) Participants to Retire
February 25, 2014 (PLANSPONSOR (b)lines) – “Our university is attempting to put together a faculty retirement incentive plan.
(b)lines Ask the Experts – Catching Up on Limits, Testing and Form 5500
February 18, 2014 (PLANSPONSOR (b)lines) – “Yet another snow day for me with a cancelled meeting, so I have some time to think about what I need to...
(b)lines Ask the Experts – Allocating Investment Fund Settlement Checks
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...
(b)lines Ask the Experts – Deadline for Corrective Distributions
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...
(b)lines Ask the Experts – No Updated Guidance on Plan Terminations
January 28, 2014 (PLANSPONSOR (b)lines) – “I am working with a plan sponsor on terminating a 403(b) plan?
(b)lines Ask the Experts – Excess Deferrals: Which Plan Pays?
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.
(b)lines Ask the Experts – Future Adoption of Annuity Contracts and Custodial Accounts
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...
(b)lines Ask the Experts – Restricting Loan Use to Financial Hardships
January 7, 2014 (PLANSPONSOR (b)lines) – “Thanks for the Q&A on loan utilization, as it was quite informative.
(b)lines Ask the Experts – Resolutions for 403(b) Plan Sponsors
December 31, 2013 (PLANSPONSOR (b)lines) – “Any New Year’s Resolutions from the Experts?”
(b)lines Ask the Experts – 2013 “Gifts” from the IRS
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...
(b)lines Ask the Experts – Reining in Loan Use
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...