The Pension Benefit Guaranty Corporation (PBGC) is a federal agency created by the Employee Retirement Income Security Act of 1984 (ERISA) to protect pension benefits in private-sector defined benefit plans. If a plan is terminated without sufficient money to pay…

Five Benefits of Unbundling

Five Benefits of Unbundling

Why Choosing Individual Service Providers for Your 401(k) Plan is Better Imagine having an advocate for your 401(k) plan that helps to maximize opportunities and minimize obligations. Third party administrators (TPAs) assume this role as your firm’s 401(k) advocate; however,…

Coverage Testing

Coverage testing analyzes whether an adequate proportion of the employees that the plan benefits are non-highly compensated employees (NHCEs), as qualified retirement plans cannot discriminate in favor of highly compensated employees (HCEs). Coverage testing is conducted for each type of…

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