Benefit Insights

The Benefit Insights newsletter provides a non-technical review of qualified retirement plan legislative and administrative issues. We are pleased to provide you with this online newsletter six times per year. 

Timely Deposit of Plan Contributions (PDF)

 (October 2008) This issue discusses the new Department of Labor regulations concerning timely deposit of elective deferrals in 401(k) plans.

Solving 401(k) Testing Problems with New Design Options (PDF)

(June 2008) This issue shows how the Qualified Automatic Contribution Arrangement can help plans that struggle with contribution nondiscrmination testing.

Top Heavy Rules May Impact Plan Design (PDF)

(April 2008) This issue discusses Top Heavy Rules.

Understanding 401(k) ADP and ACP Testing (PDF)

(February 2008) This issues reviews the ins and outs of the required tests for 401(k) plans.

Default Investment Rules Facilitate Auto Enrollment (PDF)

(December 2007) This issue discusses automatic enrollment and the Qualified Default Investment Alternative (QDIA).

Keeping Abreast of Plan Limitations (PDF)

(August 2007) This issue reviews the various dollar limitations associated with employee and employer contributions.

Keeping Up To Date With Form 5500 Requirements (PDF)

(June 2007) The latest requirements of Form 5500 are explained in this issue as well as what future changes may be on the horizon.

The Prudent 401(k) Fiduciary (PDF)

(April 2007) This issue explains the basic rules for 401(k) plan fiduciaries in an effort to make them aware of what their responsibility is.

Plan Compliance Update for 2007 (PDF)

(February 2007) This issue reviews the administrative responsibilities of keeping a plan in compliance and how various compliance issues were impacted by the Pension Protection Act of 2006.

Archived Issues (2005-2006)