Newsletters

EPB Newsletters

  • COMPLIANCE ALERT December 18, 2018 Upcoming compliance deadlines: 12/31   Deadline for making required minimum distributions for 2018 12/31   Deadline for making corrective distributions for failed 2017 actual deferral percentage (ADP) and actual contribution percentage (ACP) tests ...
  • What To Do If You Inadvertently Blow Through 415(c) Limits December 18, 2018 What happens if your plan allocates too much money to a plan participant’s 401(k) account in a given year? The IRS recently addressed that issue in its periodic “fixing common ...
  • Not Planning for Early Retirement Threatens Employees’ Financial Security December 18, 2018 Employees often are unfazed by retirement calculators or other recommendations telling them they’ll need to step up the pace of their retirement savings to retire at a “normal” age. The ...
  • Is There a “MEP” in Your Future? December 18, 2018 Streamlined retirement plan model under review For small employers, the costs of administering a retirement plan can be intimidating. Legislation in Washington could provide some relief — particularly for very ...
  • It May Be Time To Offer A Self-Directed Brokerage Account Option December 18, 2018 Self-directed brokerage accounts (SDBAs) within a 401(k) plan typically offer participants the ultimate investment smorgasbord: a virtually unlimited selection of stocks, bonds, exchange traded funds (ETFs), and mutual funds to ...
  • COMPLIANCE ALERT October 5, 2018 Upcoming compliance deadlines: 10/1     First day to distribute qualified default investment alternative (QDIA), safe harbor, and automatic contribution arrangement annual notices to plan participants (no earlier than today) 10/1     Deadline for establishing a ...
  • New IRS Preapproved Plan Regime Takes Effect October 5, 2018 Last year, in Revenue Procedure 2017-41, the IRS announced a new regulatory regime for defined contribution plans. The regime was issued, according to the agency, “to expand the Provider ...
  • Investing in HSAs for Long-Term Retirement Goals October 5, 2018 Retirement plans are about saving for the cost of living in ― retirement. And typically one significant expense for retirees is medical bills. Actuaries at Fidelity Investments estimate that a ...
  • Investment Option Overload? October 5, 2018 A cautionary tale from Yale University   When it comes to defined contribution plan investment options, giving participants an abundance of choices can backfire. Yale University recently dodged a bullet in this ...
  • Why Target Date Fund Oversight Matters October 5, 2018 Money management giant Vanguard began tracking the popularity of funds with professionally managed allocations — primarily target date funds (TDFs) — in 2003. Over the years, the organization has reported ...