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Glossary of Retirement Terms

Welcome to

With the explosive growth of government and private internet sites containing information, opinion, analysis, marketplace news, legislation, court cases, rules, and other 401k and 403(b) resources, your challenge to identify salient information and issues that really matter is greater than ever. That's where excels. We are a knowledge service that finds, reviews, organizes and shares the best and most relevant information for people who sponsor, advise, design, administer, make policy about, participate, or are otherwise interested in 401k and 403(b) plans.

Marketplace News

Nominations for the 2014 'Signature Awards' Now Open

Peggy Santhouse Joins John Hancock RPS

fi360 Expands Senior Level Management Team

Segal Group Creates Dedicated DC Team

WMSI Launches Small Business Retirement Plan Comparison Calculator

IRIC Announces Lincoln Financial, Voya as Newest Sponsors

ADP Launches 'IPS Zero' Platform

More  »

Daily News Digest

The Daily News Digest is where we aggregate the latest published material on 401k trends, fiduciary issues, legislative action, court cases, opinion, rule changes, insights, surveys, studies, commentary and more. The information is updated daily. Here are some of the latest items.

Preventing and Fixing Broken 401k Plans: 12 Common Compliance Errors

Summary: Retirement plans must always be in both form and operational compliance, including demographic eligibility compliance, with the terms of the plan document for the life of the 401k plan in order to claim the benefits granted to a qualified plan. Here is a summary of 12 common 401k plan compliance errors.

Source:, April 2014

Report Card on 403(b) Plans: Have They Improved?

Summary: Before a new set of regulations kicked in a few years ago, 403(b) plans were like the wild, undisciplined cousins of the 401k plan. Participants choosing a 403(b) plan often had to sort through a complex list of options ranging from A to Z. And we're not talking about investment options. This complexity was a barrier to entry for the average and even the above-average participant. How have 403(b) plans changed?

Source:, April 2014

401k/403(b) Best Practices -- Fees

Summary: Are your retirement plan fees market competitive? Do you meet your fiduciary obligations regarding provider fee review each year? Consider these best practices relating to fees.

Source:, April 2014

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Collected Wisdom™

Our researchers look for what they think are some of the better resources available to assist you in administering your plan or helping your clients. We group these resources in our COLLECTED WISDOM™ topics to make it easy for you to locate the information you need. Each item in a category contains a summary and date of when it was placed in the group.

We also maintain some older material in these collections for perspective and context.

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Insight: Research and White Papers

There is a great deal of research published around defined contribution plans and related issues. We index much of it here.

Recordkeeper Data Show Continued Commitment to Retirement Saving

Summary: ICI's latest study of retirement plan savers' actions, based on defined contribution plan recordkeeper data covering nearly 24 million DC plan participant accounts, shows Americans' continuing commitment to putting away money for retirement.

Source:, April 2014

Defined Contribution Plan Participants' Activities, 2013

Summary: Key Findings: Defined contribution plan withdrawal activity in 2013 remained low and was similar to the prior year's activity; the vast majority of DC plan participants continued contributing to their plans in 2013; most DC plan participants stayed the course with their asset allocations as stock values generally rose throughout the year; and, DC plan participants' loan activity remains elevated compared with five years ago.

Source: , April 2014

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Tools and Resources

Calculators, charts, samples, directories and other resources to help you run and manage your plan or practice.

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Fiduciary Related News and Intelligence

These are general news and articles around fiduciary issues.

ERISA Fee Disclosures: Best Practices for Fiduciaries

Summary: In response to intense public scrutiny and a series of lawsuits brought against plan sponsors and fiduciaries concerning the compensation paid to 401k service providers, the DOL created a three-part fee disclosure initiative aimed at greater transparency for the benefit of such plans and their participants. In addition to changes to Form 5500, Schedule C reporting, the DOL issued two final regulations: (1) a regulation on participant-level fee disclosure, and (2) a regulation on plan sponsor-level fee disclosure. It is now up to plan sponsors and participants to use the disclosure information obtained as a result of these initiatives in a manner that yields prudent and effective investment decisions.

Source: , April 2014

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Legal, Legislative and Washington DC

This is a directory and index of articles that review recent court rulings, legal issues, and bills, hearings and other actions in Congress.

Fiduciaries Evades Liability for Use of Float Income

Summary: The U.S. Court of Appeals in St. Louis has affirmed a trial court ruling that plan fiduciaries violated their duties under ERISA by failing to monitor excessive fees remitted to a recordkeeper that was paid through revenue sharing. In addition, the court absolved the recordkeeper of liability for its use of float income retained on plan investments.

Source:, April 2014

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Viewpoint: Commentary and Opinion

People speak out on a variety of issues of interest to those in the 401k industry. One of our most interesting areas, but remember, opinions expressed here are those of the author and do not necessarily reflect the positions of

Why Are Many Members of Congress Among the Few Americans That Can Retire?

Summary: Author writes, "The lack of mandates for an adequate retirement plan is ironic given that most long-serving members of Congress look forward to more generous pensions than the vast majority of their constituents. A member of Congress retiring with 20 years of service under Federal Employees' Retirement System and a high three-year average salary of $174,000 will get an initial annual FERS pension of more than $59,000 -- on top of Social Security."

Source:, April 2014

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Most Popular

Below you'll find this week's five most popular articles.

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