Resources
Newsletters
June 2020 Newsletter
Is it Time for a Plan Refresh? The duty to provide participants with sufficient information to make consistently informed retirement investment decisions is a basic fiduciary responsibility under ERISA Section 404(a). However, there could be some plan committees who...
May 2020 Newsletter
Should your Company Implement a Student Loan Assistance Program? The simple answer is yes! By doing so, you’ll attract, retain and engage top college-educated talent at your company. Twenty-six percent of the U.S. workforce and 69 percent of 2018 college...
April 2020 Newsletter
Closing the Retirement Gender Gap: How Retirement Plan Advisors Can Help Despite the fact that women tend to live longer, female workers typically have lower retirement account balances than their male counterparts. Many factors may contribute to this disparity,...
June 2020 Newsletter
Is it Time for a Plan Refresh? The duty to provide participants with sufficient information to make consistently informed retirement investment decisions is a basic fiduciary responsibility under ERISA Section 404(a). However, there could be some plan committees who...
May 2020 Newsletter
Should your Company Implement a Student Loan Assistance Program? The simple answer is yes! By doing so, you’ll attract, retain and engage top college-educated talent at your company. Twenty-six percent of the U.S. workforce and 69 percent of 2018 college...
April 2020 Newsletter
Closing the Retirement Gender Gap: How Retirement Plan Advisors Can Help Despite the fact that women tend to live longer, female workers typically have lower retirement account balances than their male counterparts. Many factors may contribute to this disparity,...
March 2020 Newsletter
Considering a Traditional Safe Harbor Retirement Plan? It may be advantageous for a plan sponsor to consider adopting a traditional safe harbor design for their retirement plan. Adopting a safe harbor retirement plan design permits an employer to essentially avoid...
White Papers
Retirement Plan Governance
Retirement plan sponsors and other plan fiduciaries face harsh consequences if they fail to satisfy the stringent standards set forth under ERISA. The best way for fiduciaries to protect and defend against the severe liabilities to which plan fiduciaries can become subject for ERISA violations, is developing a clear awareness and understanding of the relevant fiduciary rules and ensuring the plan’s operation is consistent with these requirements.
Fiduciary Prudence and Investments
The interpretation and application of ERISA is dynamic with respect to what is reasonable and prudent.
Fiduciary Obligations of Retirement Plan Sponsors
Retirement plan sponsors are required by law to act as a careful expert with respect to literally every aspect of the establishment, maintenance and operation of such plan.
Don't Take Your Plan For Granted
The rules governing a fiduciary’s ongoing duties are not always intuitive, which can lead to misconceptions about about a plan sponsor’s continuing obligations to the plan and its participants. While similar fiduciary duties apply to defined benefit plans, this white paper focuses on particular issues related to participant-directed defined contribution plans.
Articles
CORONAVIRUS, AID, RELIEF AND ECONOMIC SECURITY (CARES) ACT FAQ
Amidst the ongoing COVID-19 crisis, the American Retirement Association has been working diligently to push for commonsense solutions that provide...
The Difference Between 3(21) and 3(38) Fiduciary Services
Plan sponsors are required by ERISA to provide an investment lineup for participants that has been prudently selected and monitored to minimize and...
Participant’s Corner
How Can You Prepare for Healthcare Expenses in Retirement?
Rising healthcare costs are on everyone’s mind, even for affluent people. In fact, 69 percent of affluent pre-retirees cite rising healthcare costs as one of their top fears in retirement, according to a survey from the Nationwide Retirement Institute. In fact, 63...
Four Basic Steps for a Successful Retirement
We know that most plan participants are not financial experts, and that can make planning for retirement difficult. Fortunately, there are some basic steps that you can follow to work toward a successful retirement. Learn the basics of saving and investing.Understand...
Five Key Decisions for a Successful Retirement
Life is a series of decisions, and everyone has to live with the results of the decisions they make. One of the most serious decisions that we all face is how to prepare for retirement, but frequently we don’t make the best choices to protect our futures. What are...
How Can You Prepare for Healthcare Expenses in Retirement?
Rising healthcare costs are on everyone’s mind, even for affluent people. In fact, 69 percent of affluent pre-retirees cite rising healthcare costs as one of their top fears in retirement, according to a survey from the Nationwide Retirement Institute. In fact, 63...
Four Basic Steps for a Successful Retirement
We know that most plan participants are not financial experts, and that can make planning for retirement difficult. Fortunately, there are some basic steps that you can follow to work toward a successful retirement. Learn the basics of saving and investing.Understand...
Five Key Decisions for a Successful Retirement
Life is a series of decisions, and everyone has to live with the results of the decisions they make. One of the most serious decisions that we all face is how to prepare for retirement, but frequently we don’t make the best choices to protect our futures. What are...
Retirement Readiness – Planning for the First Day of the Rest of Your Life
MUCH HAS BEEN MADE OF THE CURRENT STATE IF THE AMERICAN WORKER as it pertains to their retirement savings. According to a recent study by the General Accountability Office, 29% of Americans 55 and older do not have any retirement savings or pension...
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