{"id":4374,"date":"2019-12-01T10:52:48","date_gmt":"2019-12-01T15:52:48","guid":{"rendered":"http:\/\/therosenbaumlawfirm.com\/blog\/?p=4374"},"modified":"2019-12-01T10:52:48","modified_gmt":"2019-12-01T15:52:48","slug":"signs-of-an-unhealthy-plan","status":"publish","type":"post","link":"http:\/\/therosenbaumlawfirm.com\/blog\/?p=4374","title":{"rendered":"Signs of an unhealthy plan"},"content":{"rendered":"<p>When it comes to your health, there are certain symptoms you should look out for that could be a harbinger of something wrong. The same can be said of your 401(k) plan. Here are some things to consider:<\/p>\n<ol>\n<li>Late deposit of salary deferrals.<\/li>\n<li>Low average account balances.<\/li>\n<li>No ERISA bond in place.<\/li>\n<li>Low deferral participation rate.<\/li>\n<li>Compliance testing failures, corrective contributions made.<\/li>\n<li>Too many hardship requests.<\/li>\n<li>Too many defaulted plan loans.<\/li>\n<li>No benchmarking of fees.<\/li>\n<li>No review of plan providers.<\/li>\n<li>No formal fiduciary process followed.<\/li>\n<\/ol>\n<p>If you just have one of these symptoms, your plan needs a checkup.<\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>When it comes to your health, there are certain symptoms you should look out for that could be a harbinger of something wrong. The same can be said of your 401(k) plan. Here are some things to consider: Late deposit &hellip; <a href=\"http:\/\/therosenbaumlawfirm.com\/blog\/?p=4374\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4374"}],"collection":[{"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4374"}],"version-history":[{"count":1,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4374\/revisions"}],"predecessor-version":[{"id":4375,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/4374\/revisions\/4375"}],"wp:attachment":[{"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4374"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}