Top of Mind


Showing entries with the topic “Plan Design”.

Show all >


26

Jul 2017

Catching Up with OregonSaves

Back in March, I wrote about OregonSaves, the first state-run auto-IRA program in the nation, which at the time was scheduled to be rolled out in pilot form on July 1, 2017. The pilot program was implemented right on schedule, and Jeff Snyder recently caught up with Lisa Massena, Executive Direct…

Read more

20

Jul 2017

Back to Basics: Moving Your Retirement Plan Money

Welcome back to Back to Basics!  In this edition, we will define some basic terms associated with moving funds into/out of/within a retirement plan.   Distribution — Also known as a withdrawal, this is the primary method for receiving retirement plan assets as taxable income. &nbs…

Read more

15

Jun 2017

Alternate Fee Calculation/Allocation Models

By now, most retirement plan sponsors have an understanding of the two primary methods used by recordkeepers  to charge fees to plans and participants: As a percentage of plan assets - Typically expressed in hundredths of a percent, or basis points (e.g., ten basis points = one-tenth of one …

Read more

08

Jun 2017

Learning from PLANSONSOR's Plan Sponsor of the Year Finalists

Two of our clients, the University of Massachusetts and the Oklahoma State University and A&M System, were selected by PLANSPONSOR as 2017 Plan Sponsor of the Year finalists.  My colleague, Jeff Snyder, had the opportunity to discuss the initiatives that made them worthy of recognitio…

Read more

30

Mar 2017

The Skinny on State-Run Auto-IRAs

My colleague, Jeff Snyder, recently interviewed Lisa Massena, Executive Director of the Oregon Retirement Savings Plan. As you may be aware, Oregon is the first state in the nation to roll out a state-run auto-IRA program. The first employers will adopt the program this July, in pilot form.  …

Read more

16

Mar 2017

Your Retirement Plan has HOW MANY Investments?

While many things have changed in my 25 years at Cammack Retirement, some things have remained the same.  One of those is the tendency for retirement plan sponsors to offer too many investment options to their participants. It is not unusual to come across plans with tens, or even hundreds, of …

Read more

01

Feb 2017

From the Archives: A Retirement Recordkeeper Consolidation Revisited

This edition of From the Archives is an oldie, but a goodie! Over ten years ago, I wrote an article for the Journal of Retirement Planning regarding an amazingly successful recordkeeper consolidation at one of our clients, South Jersey Healthcare.  Much has changed since the article was writ…

Read more

19

Jan 2017

Is This the Beginning of the End for Revenue Sharing?

A number of recent articles have opined that revenue sharing is being eliminated by some large plan sponsors, and that small and mid plan sponsors may follow. With a number of mutual fund families introducing zero-revenue sharing share classes of funds where none existed previously, some have even s…

Read more

23

Nov 2016

Thanksgiving Edition

As we prepare for the Thanksgiving Holiday, there are many things for which I am thankful. While most have absolutely nothing to do with retirement plans, I thought I would share the ones that are retirement-related: 403(b) plan sponsors are eliminating the 15-year catch-up election in droves &md…

Read more

13

Oct 2016

From the Archives: Is the 403(b) Plan Dying?

Five years ago, I wrote an article on the issue of whether the 403(b) plan was dying.  It was a reasonable question at the time, as legislation and market forces had eliminated many of the differences between 401(k) and 403(b) plans. Fortunately for my reputation, I did NOT agree with the no…

Read more