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JDSupra
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Monthly Archives: December 2022
Smaller plans, at least have the PEP tool
I was interviewed recently by a 401(k)-centric website about smaller plans. When I first started in 1998, there was a tremendous bias from a small start-up plan. So many plan providers didn’t want the business and these smaller plans were … Continue reading
Posted in Retirement Plans
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Time to replace bad decision makers
I was an associate at a semi-prestigious law firm. I asked the 401(k) trustees to look at our plan. One trustee was the human resources director and the other one was a law firm partner. The plan didn’t have a … Continue reading
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Be wary of people like SBF
My wife doesn’t know much about crypto, but she is fascinated by what happened with FTX and SBF. She doesn’t understand how someone like that, could be involved in such a scam. Unlike me, my wife never knew two plan … Continue reading
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There is a gender gap on 401(k) deferrals
There is a gender gap with 401(k) deferrals and auto-enrollment might be the way to curb that. In 401(k) plans without automatic enrollment, men lag behind women in participation rates at all income levels, most notably below $150,000. The largest … Continue reading
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Are Plan Sponsors really asking for retirement income options?
I have seen some great articles about plan sponsors and issues surrounding retirement income options. They talk about obstacles to implementation and some talk about articles about plan sponsors interested in it. Quite honestly, I have yet to see plan … Continue reading
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DOL announces Form 5500 changes
The Department of Labor (DOL) announced changes to Form 5500. For Multiple Employer Plans (MEPs), new codes have been added to Line 8a of Part II to identify different types of MEPs, such as pooled employer plans, association retirement plans, … Continue reading
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New Year’s Resolutions For 401(k) Plan Sponsors
My latest article for JDSupra.com can be found here.
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Get threats, contact an ERISA attorney
You could be the greatest plan provider, but you can’t please everyone. Even when things aren’t your fault, there will be some plan sponsors who will still blame you. You can try to bend over backward for some plan sponsors … Continue reading
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Crypto theft is another strike against Bitcoin 401(k)
While technology makes it easier for bad actors to steal the retirement assets of plan participants, it’s far easier to steal from 401(k) plans with crypto investments. 401(k) plans that have Bitcoin investments would have a crypto wallet, rather than … Continue reading
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Bad times means more hardships
With high inflation and an economy that might be in a recession, it is no shock that hardship distributions are on the rise. About 0.5% of employers participating in 401(k) plans made a “hardship” withdrawal in October, according to Vanguard. … Continue reading
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