Risky Business: Why Plan Governance Matters

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Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the way they manage their retirement plans. In today’s continually-evolving regulatory and legal environment, it’s more important than ever to make sure your organization’s retirement plan is both effective and compliant. A well-structured retirement plan governance program can help you pursue these goals […]

Hacked! Is Your Retirement Plan at Risk for a Cyber Attack?

RPM Q4 2018_Pulse Image_Blog Article 3_ Hacked! Is your plan at risk for a Cyber Attack

Cyber-crime is on the rise worldwide. As a result, growing numbers of organizations are taking critical steps to protect their valuable electronic data from hackers and other cyber criminals — a process known as cybersecurity. It’s serious business, and a trend retirement plan sponsors and committees should pay attention to.   In 2015, IBM’s chair, […]

Plan Sponsor Guide: Understanding 401(k) Loans

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Understanding 401(k) Loans The recent enactment of the Tax Cuts and Jobs Act of 2017 (TCJA) makes changes to 401(k) loan repayment options, which should prompt plan sponsors and plan administrators to re-evaluate their existing loan program, processes and procedures.  This article will provide an overview of the loan provision and offer a list of considerations […]

The DOL Fiduciary Rule is dead, but you’re still a fiduciary

RPM Q4 2018_Pulse Image_Blog Article 1_DOL Rule is Dead, You’re still a Fiduciary

The DOL Rule is Dead – On June 21, 2018 the 5th Circuit Court of Appeals vacated the requirements of the U.S. Department of Labor’s (DOL) Conflict of Interest Rule—more commonly referred to as the “DOL Fiduciary Rule”—thus killing the rule entirely.  Despite this news, the death of the DOL Fiduciary Rule does not alleviate a plan […]

Health Savings Accounts: Features Your Employees May Thank You For

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For the majority of future retirees, medical expenses pose significant risk to any retirement plan, and they are only projected to rise. Medical cost estimates for couples throughout their full retirement, assuming both partners are 65, has increased $15,000 from 2016 to 2017, bringing total projections to $275,000, after Medicare coverage.[1] Even for professionals with 401k […]

A Guide for Employers Dealing with Missing Participants

RPM Q3 2018_Pulse Image_Blog Article 1_ A Guide for Employers Dealing with Missing Participants

Locating missing plan participants  can be a headache for any employer, but simply ignoring them is not an effective solution. Regulatory agencies in previous years have published guidance on this topic relating to missing “retired” employees. With the increase in the number of “pre-retired” missing plan participants, governmental bodies are now taking additional measures to provide […]

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