Learning Center

Employer Learning Center

Guidance for plan sponsors on how to motivate employees to get beyond their 401(k) inertia

 

The Next Big Thing in Retirement Advice

If your plan uses electronic delivery of required disclosures to employees, you are likely simplifying the d

Are You Using Electronic Disclosures?

Workers between the ages of 37 and 50 are poorly prepared for retirement, according to the 15th Annual Trans

Gen X Is Not Prepared to Retire

Having an effective employee engagement strategy is the most important component of a successful retirement p

Getting Employees' Attention Is Key

More than 75% of those contributing to an employer-sponsored retirement savings plan receive matching contrib

Maximize Employer Match

Q: What are some of the key points we need to keep in mind in handling forfeitures?

Plan Sponsors Ask 2015

DOL Issues Missing Participant Guidance

Regulatory Briefing

The National Retirement Risk Index (NRRI) estimates that about 50% of working families are at risk of being u

Savings Rate Should Be 14%

Internal Revenue Service,

Web Resources for Plan Sponsors

Q: Is there information available regarding whether or not plan participants follow investment advice they receive?

Plan Sponsors Ask...

Consult your plan’s counsel or tax advisor regarding these and other items that may apply to your plan.

Plan Sponsor's Quarterly Calendar

The IRS has revised several reference guides for plan sponsors.

IRS Updates Key Web Resources

Executives at PinnacleHealth in Pennsylvania noticed that participants were headed toward insufficient income

Case Study: Stuck at 2%

A recent webinar regarding development of an effective financial program yielded a number of practical steps

Building a Financial Wellness Program

More participants, especially young, lower-income and minority workers, are likely to have healthier retireme

Automatic Features Have Positive Impact

Internal Revenue Service,

Web Resources for Plan Sponsors

A study of defined contribution plan and participant activity in 2013 in plans for which Vanguard performs re

Target Date Fund Popularity Grows

The Employee Benefit Research Institute’s (EBRI’s) 

Retirement Confidence Has Risen

Q: Is it helpful to participants to add an automatic contribution increase feature to our 401(k) plan?

Plan Sponsors Ask...

Consult your plan’s counsel or tax advisor regarding these and other items that may apply to your plan.

Plan Sponsor's Quarterly Calendar

Millennials (those born after 1980) seem to favor lifestyle over salary, expect to change jobs and careers, a

Plan Design Ideas for Millennials

Last year, the U.S.

More Guidance Is Available on Target Date Funds

According to analysis of more than 12 million defined contribution plan participants, Fidelity Investments fo

Cash-Outs Require Communication

Internal Revenue Service

Web Resources for Plan Sponsors

According to the AARP Public Policy Institute’s 

Social Security Remains Primary Income Source

Q: Are predictions about the retirement prospects of Americans as dire as the headlines would make them seem?

Plan Sponsors Ask...

Consult your plan’s counsel or tax advisor regarding these and other items that may apply to your plan.

Plan Sponsor's Quarterly Calendar

In recent years, plan sponsors and the retirement plan industry have been increasingly concerned about the ri

Plan Distributions Are Being Saved

Among other clarifications, the Internal Revenue Service’s Notice 2013-74 notes that an in-plan Roth rollover

Guidance on In-Plan Roth Rollovers Issued

Aon Hewitt’s 201

Financial Wellness is Sponsor Focus

At the end of 2012, 61% of 401(k) plan assets were invested in equities, according to the Investment Company

Equities Continued to Attract Contributions

Employee retirement readiness is a top priority among more than three-fourths of employers participating in D

Employers Seek to Enhance Retirement Readiness

According to a LIMRA survey, Generation Y employees (generally those now in their mid-20s to mid-30s) seem t

Generation Y taking Action to Save

How does your plan compare?

Participant Deferral Rate Rose Slightly

Q: Is there a relationship between automatic enrollment and employer decisions about matching contributions and total compensati

Plan Sponsors Ask...

Since nonqualified plans are not governed by ERISA rules, they can be tailored to a specific company's or indiv

Understanding Nonqualified Retirement Plans

Research conducted by Vanguard provides more evidence that there continues to be major growth in the use of

Target Date Fund Use Grows

Open-architecture environments and advances in recordkeeping technology have made it possible for sponsors to

Selecting Your Plan's Investments: How Many Options Is Enough?

Although there were major market and economic shocks in 2008 and 2009, retirement plans savings grew for most

Retirement Wealth Grew Despite Recession

An uncertain economy has resulted in employees looking more closely at their benefit plans, particularly thos

Retirement Plans' Role Studied

The Employee Benefit Research Institute’s (EBRI) 

Retirement Confidence Reaches Record Low

Q: We’re planning ahead for preparation of the plan’s Summary Annual Report.

Q&A Plan Sponsors Ask...

A new Defined Contribution Institutional Investment Association (DCIIA) poll of plan sponsors found that comp

Plan Sponsors Seem Pleased with Automatic Features

April

Plan Sponsor's Quarterly Calendar

The Department of Labor (DOL) issued final participant fee disclosure regulations that apply to participant-d

Plan Ahead for New Disclosures

Q: We’re starting to hear discussions of “income replacement solutions.” What are they?

Plan Sponsors Ask...

Second Quarter 2011

Q: What documentation should the plan have regarding plan loans to participants?

Plan Sponsors Ask...

How Does Your Plan Compare?

Participation Rate Stayed Steady

Participants indicated that costs do matter to them: A whopping 81% believe that fees will play either a very o

Most Participants Don't Know Their Fees

Financial pundits have been talking about the “new retirement” for years.

Helping Participants Navigate the "New Retirement"

Diligent and ongoing adherence to a multifaceted risk-management strategy can help sponsors accomplish two im

Fiduciary Responsibility: Diligence Is Keye

Aon Hewitt’s recent survey of more than 200 companies found that only 38 percent of employers have confidence

Employers Help Meet Retirement Goals

Plan sponsors identified employees’ retirement preparedness as one of their top priorities in 2010, according to Deloitte Consulti

Employers Focus on Employee's Retirement Readiness

The responses of more than 500 employers to a Profit Sharing/401(k) Council of America survey indicate that s

Eligibility Requirements Trend Continues

Having a firm grasp of your firm's demographics can help you (and your financial professional) devise an appr

Demographics and Your Retirement Plan

In recent years, plan sponsors have seen participation and contribution levels dwindle in the face of econom

Building an Effective Participant Communications Program

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites, nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving our web site and assume total responsibility and risk for your use of the sites you are linking to.

Information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.