Fiduciary Safe Harbors

FIDUCIARY SAFE HARBORS When declaring them in your ERISA plan be sure they are being followed Safe harbors are well known statutes provided to protect from liability those that that declare and implement them ... properly. Unfortunately, we often see safe harbors in the plan documents yet in operation the ...
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Beware the Siren’s Song: The Prohibited Transaction Trap

Prohibited Transactions by business service providers claiming to help, could sink the business you have worked so hard to make successful. Case in point: Today I received the following email from one of the large payroll providers offering to absorb the administrative cost of the business 401(k) if the business ...
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Risky Business: Why Plan Governance Matters

Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the way they manage their retirement plans. In today’s continually-evolving regulatory and legal environment, it’s more important than ever to make sure your organization’s retirement plan is both effective and compliant. A well-structured retirement plan governance program ...
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Hacked! Is Your Retirement Plan at Risk for a Cyber Attack?

Cyber-crime is on the rise worldwide. As a result, growing numbers of organizations are taking critical steps to protect their valuable electronic data from hackers and other cyber criminals — a process known as cybersecurity. It’s serious business, and a trend retirement plan sponsors and committees should pay attention to ...
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Plan Sponsor Guide: Understanding 401(k) Loans

Understanding 401(k) Loans The recent enactment of the Tax Cuts and Jobs Act of 2017 (TCJA) makes changes to 401(k) loan repayment options, which should prompt plan sponsors and plan administrators to re-evaluate their existing loan program, processes and procedures.  This article will provide an overview of the loan provision and ...
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