April 19 2017

Retirement Plan Compensation in an S Corp: What Counts, What Doesn’t

How much money do you make?  How much did you make last year?  For most of us, that is a fairly easy question.  If you don’t know offhand, you can pull out a pay stub, tax return, or Form W-2 and get the answer. 

February 23 2017

A Deeper Look at Cross-Testing

This is Part 2 in a two-part series on the mechanics of cross-testing. 

February 16 2017

EBARs: The First Step in Cross-Testing

This is Part 1 in a two-part series on the mechanics of cross-testing. 

December 02 2016

11 Things You May or May Not Know About Family Attribution

When you own a business and sponsor a qualified retirement plan, there are times you may wish you weren’t the owner.  Being an owner may make you a Highly Compensated Employee (HCE) or a key employee, thus restricting your benefits or forcing you to ...

December 01 2016

401(k) Plan Fees and Expenses: What Plan Sponsors Should Know

401(k) plan fees and expenses are a fact of life for plan sponsors and participants. Like any service provider, 401(k) providers must be compensated for their services. This compensation comes in the form of 401(k) plan fees.

November 16 2016

How to Increase Retirement Plan Participation and 401(k) Enrollment

Part 2 of a 2 part series. In our last blog, we described how the shift from defined benefit pension plans to defined contribution plans like 401(k)s has shifted primary responsibility for retirement savings from employers to employees. However, rese...

November 14 2016

How Changes in Retirement Lead to a Retirement Income Gap

Part 1 of a 2 part series. A drastic shift has taken place over the past couple of decades when it comes to how Americans prepare financially for retirement. In short, the primary responsibility for retirement savings has shifted from employers to em...

November 11 2016

Controlled Group Rules Require Multiple Businesses to Be Treated as One

Under the controlled group rules, two or more business entities with common ownership are to be treated as a single employer for qualified retirement plan purposes.  A company sponsoring a retirement plan may need to provide those same benefits for e...

November 02 2016

2017 Qualified Plan Limits Announced

Autumn is here, which means leaves are changing color, football season is in full swing, and it’s time for government agencies to release new retirement plan limits for the upcoming year. 

October 31 2016

7 Questions Plan Sponsors Must Ask Potential Retirement Plan Advisors

The choice of a retirement plan advisor is one of the most important decisions you will make as a plan sponsor. Choosing the right retirement plan advisor will greatly increase the chances that your plan is successful in helping both your company and...