Corporate retirement plans
Plan Basics
Pieces filed under Plan Basics, newest first.
Tax Planning
IRS Issues Final Regs on Roth Mandatory Catch-ups for High Earners
The IRS has finalized regulations under SECURE 2.0 that will impact how certain participants save for retirement. Under this change, employees with prior-year FICA wages above $150,000 will no longer be able to make pre-tax catch-up contributions to their 401(k), 403(b), or…
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Financial Planning
Guiding 60-Somethings Through the Final Stretch of Retirement Planning
Participants in their 60s are approaching retirement, a stage where every financial decision can significantly impact long-term security. For plan sponsors, this is a crucial opportunity to help late-career workers navigate their retirement planning with confidence. By offering…
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Financial Planning
Stretching the Match
As summer is winding down, now is actually a great time for you to do a mid-year check on your organization’s plan design to see how it is performing among your employees. Are they participating in the plan? Are they increasing their contributions every year? One way to adjust…
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Financial Planning
Don’t Take Forfeitures for Granted!
Retirement plans have long subjected employer contributions to vesting schedules, rewarding tenure by increasing the participant’s ownership in those contributions in proportion to their years of service. However, several law firms have recently challenged this long-standing…
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Financial Planning
Why Workers Leave Matching Dollars on the Table
A 2023 Vanguard study found that a quarter of participants deferred less than 4% of their income — generally below the threshold to maximize an employer match. While financial constraints play a role for some, psychological factors can also contribute. Understanding these…
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Financial Planning
How to Design a Differentiating Benefits Package
Over the past couple of years, the so-called “Great Resignation” has led to an unprecedented number of career changes. At the same time, the boom in remote and gig work means that skilled employees have more choices than ever. For that reason, recruiting and retaining talent in…
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