Showing our 403(b) Insights article library.
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Nov 2019Case Study: Making a Strong Plan Stronger
SRC, a not-for-profit research and development organization, set out to improve their retirement plan benefit, ultimately reducing administrative costs by 54%, streamlining the investment lineup and improving employee communication and education - all without converting recordkeepers
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Nov 2019The Fiduciary Breach Lawsuits: Lessons Learned
Over the past few months, we launched an in-depth exploration into the claims of the fiduciary breach lawsuits. We highlight the issues, the litigation outcomes and the key take-aways for retirement plan sponsors in a recap of the series.
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Nov 2019Defined Contribution Retirement Plan Committee Composition: What Is Ideal?
Thoughtfully establishing a retirement plan committee is the first step in a prudent fiduciary due diligence and risk management process. We explore how to determine who should serve on the committee.
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Nov 2019Chart of the Month: Duration of the Bloomberg Barclays U.S. Aggregate Index
Source: PIMCO, Bloomberg Market Observations The Bloomberg Barclays U.S. bond index is a widely used benchmark that most institutional investors, asset managers and investment consultants use to track the performance of the investment-grade bond market. Since the 2008-2009 financial crisis, there …
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Nov 2019Compliance Alert: IRS Announces New Retirement Plan Limits for 2020
On November 6, 2019, the IRS announced the new 2020 retirement plan limits. The applicable cost of living index increased sufficiently, allowing many standard limits to increase for 2020. The elective deferral limit under 402(g), for example, increased by $500 to $19,500. Similarly, the catch-up def…
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Oct 2019Are Negative Interest Rates Coming to the U.S.?
Negative interest rates were originally intended to help boost an ailing European economy and have become widespread. Is it only a matter of time before the U.S. gets sucked into the global trend of negative yielding debt?
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Oct 2019Chart of the Month: U.S. 10-Year Treasury Yields Move Inline with Deteriorating Fundamentals
Source: Federal Reserve Bank of St. Louis, Investing.com Market Observations A dominant theme for financial markets in 2019 has been the sharp decline in global bond yields, particularly here in the U.S. After hitting a high of 3.25% last October, the 10-year Treasury yield now stands at just 1.…
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Oct 2019Fiduciary Breach Lawsuit Issues Explored - Topic #5: No Regular Recordkeeper RFP
With more than 100 lawsuits filed against fiduciaries of defined contribution retirement plans for breach of fiduciary responsibility, litigation has plagued the retirement plan industry over the past decade.
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Oct 2019Hardship Distributions are on the Rise: The Issues for Retirement Plan Sponsors and Participants
The number of hardship distributions has been on the rise, since legislation was passed making it easier to take them. Learn why plan sponsors and retirement plan participants should be concerned and what organizations can do to help.
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Sep 2019Chart of the Month: The Probability of a Recession in the Next 12 Months is Rising
While U.S. growth has been remarkably resilient to trade uncertainty, low inflation, and slower global growth, a probability model used by the N.Y. Fed to calculate the odds of a recession in the next 12 months has risen substantially in recent months.
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