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New One-Time IRS Rollover Rules

As you may know, amounts transferred between traditional IRAs, either by rollover or trustee-to-trustee transfer, are typically excluded from an individual’s ... read more >

401(k) Lawsuits and Their Impact

401(k) Plans

By Scott Rain

In recent years, there have been a significant number of lawsuits by 401(k) plan participants against both their employers and their plan’s services ... read more >

Fee Disclosure Regulations - UPDATE

The Department of Labor (“DOL”) has recently released the final amendments to the service provider fee disclosure regulations under ERISA §408(b)(2) and participant fee disclosure regulations under ERISA §404(a)(2). As a result, the applicability dates of both regulations and their requirements have been extended.... read more >

Upcoming Changes for Flexible Spending Accounts (FSA): Over-the-Counter Reimbursements

A health FSA is an employer-sponsored benefit program in which an account, set up in an employee’s name, is used to reimburse the employee for certain ... read more >

ERISA Impact of Health Care Reform


By Scott Rain

The nation’s health care system has recently undergone dramatic changes with the recent passage of both the “Patient Protection and Affordable Care Act” (PPACA) and, the “Health Care and Education Reconciliation Act of 2010.” The PPACA will have the most significant impact on employer-sponsored health plans since the enactment of ERISA over 30 years ago. Scott Rain explains.... read more >

Are You Ready for 401(k) Plan Fee Transparency?


By Scott Rain

“Americans should be entitled to clear and complete information on the fees taken from their hard-earned retirement savings,” says U.S. Rep. George Miller, D-Calif.), Chairman of the House Education and Labor Committee. This thinking, along with two relatively recent events, will have an impact on how plan sponsors identify and communicate 401(k) plan fees to their participants.... read more >

403(b) Regulation Compliance Extension Explained


By Scott Rain

The final 403(b) regulations require that every 403(b) plan have a written plan document that outlines the terms of the plan and the administrative responsibilities ... read more >

Congress Passes Pension Funding and Minimum Distribution Relief


By Scott Rain

As a result of a new relief measure that is awaiting the President’s signature, companies whose pension funds suffered losses this year may not have ... read more >