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Library » An Easy Button for DC Plans?

December 02, 2015 | Retirement Plans

Close your eyes and imagine that there was a button plan sponsors could press that would turn participant inertia into an asset, and help improve sub-optimal asset allocations while simultaneously putting the plan sponsor on more solid fiduciary footing. Luckily there is, it’s called re- …

Library » White-Labeling the Core Menu: What’s Your Objective?

October 13, 2015 | Retirement Plans

The defined contribution (DC) industry has made enormous strides over the last decade in its quest to improve a system that’s become the predominant source of retirement income for many working Americans. Part of this evolution has led to a closer examination of plan design, ensuring that DC …

Library » Types of Qualified Plans

May 20, 2014 | Retirement Plans

Before adopting a qualified plan, an employer should first understand the various types of plans available, so that a plan that best meets the employer’s goals and objectives can be chosen. Qualified plans come in two basic flavors: Defined Contribution (DC) Plans and Defined Benefit (DB) Plans. …

James Esposito

Qualified Plans Consultant

Library » Profit Sharing Allocation Methods - The Better Part of Discretion

May 13, 2014 | Retirement Plans

Most Profit Sharing/401(k) Plan sponsors have the basic understanding that the plan contributions must not discriminate in favor of the owners and other highly paid participants over non-owners and non-highly paid participants. Many business owners interpret this to mean “I can’t contribute more …

Library » The Re-Emergence of Collective Investment Trust Funds

February 15, 2014 | Retirement Plans

Introduction As the retirement plan industry has evolved, so has the structure of investment vehicles used in 401(k) plans. Collective Investment Trust funds (CITs) have been available for decades (first launched in 1927) and were offered in very early 401(k) plans. However, the early versions …

Library » The Role of Behavioral Finance in the Development and Evolution of Target Date Funds – How To Maximize Participant Outcomes

January 02, 2014 | Retirement Plans

Introduction In many ways the foundation for target date funds on participant choice menus rests in the principles of behavioral finance. It was not until plan sponsors and regulators began to understand that behavioral finance concepts influenced participant behavior that auto enrollment, …


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