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Welcome to 401khelpcenter.com
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 401khelpcenter.com excels. We are a knowledge service that curates -- 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.
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Marketplace News
CAPTRUST Adds Advisor to Greater New York City Area
Eagle Asset Hires National Director of DCIO Sales
Fidelity Emphasizes Retirement Outcomes With New Suite of Tools
Nationwide and LPL Integrate Platforms
John Hancock Implements New 401k Plan Pricing Model
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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.
Summary: Mergers and acquisitions of companies are usually driven by economic or strategic reasons. The benefits plans are an afterthought, but can wreak financial havoc if not planned for carefully before the transaction is complete.
Source: Benefit-Resources.com, March 2014
Summary: 401k plan providers continue to innovate their offerings with more automated and customized features to accommodate the reluctant investor. Employers and advisers looking for a competitive edge should take note.
Source: Benefitnews.com, March 2014
Summary: This resource discusses whether plan sponsors of 401k plans should consider adding an in-plan Roth rollover to their plan. The in-plan Roth rollover permits participants to rollover their eligible non-Roth accounts to a Roth option within the same plan so that participants do not have to remove funds from their employer's plan to participate in a Roth account.
Source: Practicallaw.com, March 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.
Summary: Judy Diamond Associates released an analysis of the best states in which to have a 401k plan. Those states with the highest concentration of top plans have higher participation rates and more employer generosity than their peers.
Source: 401khelpcenter.com, March 2014
Summary: The fundamental objective of a DC plan is to accumulate assets that will ultimately be withdrawn as a source of retirement income. Yet, the majority (96%) of plan sponsors do not know how much income their DC plan may be designed to yield. Moving forward, DC plans should be designed to target a percentage of an average earner's final net pay as an income replacement goal. Plan design is critical to helping participants with the key levers that contribute to better long-term outcomes such as participation, savings rates, and age-appropriate asset allocation.
Source: Fidelity.com  , March 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.
Summary: Last year, Ian Ayres, William K. Townsend Professor at the Yale Law School and University of Virginia School of Law associate professor Quinn Curtis teamed up and threatened to disclose 401k plan sponsors who breached their fiduciary duty. They promised to reveal a study to back up their contention. The industry struck back and Ayres and Curtis suddenly faded from the scene. But, they're back.
Source: Fiduciarynews.com, March 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.
Summary: The Eleventh Circuit recently dismissed a participant's fiduciary breach claims against SunTrust's 401k plan fiduciary committee members on the ground that the claims for imprudently selecting certain investment options was time barred by ERISA's six-year statute of limitations.
Source: Erisapracticecenter.com, March 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 401khelpcenter.com.
Summary: Last year, a Yale law professor publicized a study of 401k plan fees that suffered from a "world is flat" flaw; he used data from 2009 and seemed uninformed about the impact of subsequent developments have resulted in reductions in fees. However, much of the benefits community know that the increased attention on plan sponsor responsibilities that resulted from the "world is flat" Yale-study was a good thing.
Source: Pensionsbenefitslaw.com, March 2014
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Most Popular
Below you'll find this week's five most popular articles.
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