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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

Great-West Issues 'Report Card' on Retirement Readiness

Schwab Cuts Expense Ratios in Target-Date Collective Trusts

Arnerich Massena Rolls Out Fiduciary Education Program

CUNA Mutual Unveils Multiple Employer 401k Plan

CUNA Mutual Adds Eight Regional Sales Consultants

BrightScope Adds Chris Riggio as 'Chief Revenue Officer'

SageView Bolsters San Francisco Presence With Hires

401k Plans a Powerful Resource for Retirement Savers

MassMutual Retirement Announces New Senior Management

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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.

Can the SEC Fix Target-Date Funds?

Summary: The Target-date mutual funds are perhaps the most widely held but least understood packaged-for-retirement investment in the world. The SEC wants to change that. They want investors to better understand the TDFs they own or might own in their 401k and other types of retirement accounts. And to that end, the SEC earlier this month reopened the public comment period for its TDF regulations, which were first proposed in 2010.

Source:, April 2014

SSA Letter Forwarding to Be Discontinued

Summary: The Social Security Administration announced that it will discontinue its letter-forwarding program, through which it attempts to help third-parties communicate serious financial or familial matters to "missing" individuals, in one month.

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.

Why Asset Class Diversification Is Important

Summary: One of the most effective risk management tools available to investors is diversifi cation across multiple asset classes (e.g., stocks, bonds, and cash). A portfolio's distribution across various asset classes is referred to as the portfolio's asset allocation. Academic studies have shown that more than 90% of the variations in a portfolio's return can be attributed to the asset allocation decision.

Source: , April 2014

Helpful Tips to Prepare for a Retirement Plan Audit

Summary: Knowing when and how to arrange for an audit of a plan's financial statements is an important responsibility for plan sponsors. While the rules governing audits may appear straightforward, there are important exceptions that can impact filings -- for example, the so-called "80-120 Rule."

Source: , April 2014

Reasons for a Change in Retirement Age

Summary: Workers who report a change in their expected retirement age in 2014 most often cite the poor economy (25 percent), according to a new report from the nonpartisan Employee Benefit Research Institute. Other reasons cited included the inability to afford retirement (18 percent), a change in their employment situation (17 percent) and health care costs (12 percent).

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.

Getting It Right - Know Your Fiduciary Responsibilities

Summary: The DOL's "Fiduciary Education Campaign" is designed to improve workers' health and retirement security by educating employers and service providers about their fiduciary responsibilities under ERISA. The Fiduciary Education Campaign includes nationwide educational seminars and webcasts to help plan sponsors understand rules and meet their responsibilities to workers and retirees, thereby improving their financial security. The campaign also includes educational materials on topics such as understanding fees and selecting an auditor.

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.

When It's Time to Hire an ERISA Attorney

Summary: ERISA attorneys are an excellent resource and there are many reasons why a plan sponsor should hire one. This article will inform you on when it's the best time to call an ERISA attorney.

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

408(b)(2) Guide and More

Summary: The DOL recently issued a proposal to require a 408(b)(2) guide. The guide has also been referred to as a roadmap, but think of it as an index to the disclosures. This is the DOL's response to their review of provider disclosures and problems the DOL has seen. The DOL has at least two more significant concerns.

Source:, April 2014

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Most Popular

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

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