Insights

QDIA – A Win-Win for Plan Sponsors and Participants

In life, there are few win-win propositions, but for employers who sponsor a 401(k) plan that allows plan participants to direct their own investments, choosing a Qualified Default Investment Alternative (QDIA) can benefit both the employer and the plan participants.   ERISA Requirements for Plan Sponsors The plan fiduciary (typically the employer sponsoring the plan) …

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Take Charge of 401(k) Plan Distributions

Plan sponsors engage a record-keeper or third party administrator (TPA) to help them manage their 401(k) plans. However, the plan sponsor is still responsible under ERISA for overseeing operations. They’re also responsible for making certain the plan is consistent with the terms of the plan document. This includes authorizing distributions. Plan sponsors must understand the …

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Which Target Date Fund Is Right For Your Plan?

Target Date Fund (TDF) options are plentiful and have become one of the most popular investment alternatives in qualified retirement plans. In fact, defined contribution retirement plans hold 67% of the over $1 trillion of TDF mutual fund assets.1 TDFs are popular with plan sponsors. Why? TDFs make investment decisions easy for plan participants who …

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nBalance – Fund of Funds Portfolio Management System

Overview Benefit Trust Company’s “nBalance” is an automated, state-of-the-art, multi-currency Fund of Funds (FoF) portfolio cash flow management system, offered as a Benefit Trust-hosted service, which is designed to provide algorithmic cash flow allocation and rebalancing for asset allocation models that span an arbitrary number of hierarchal sub-asset class levels.  nBalance can deploy cash flows …

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Cost-of-Living Adjustments for Retirement Plans (COLA)

Do you know your limits? retirement plan limits that is. With retirement plans, as with other facets of your business, it is important to understand and monitor limits imposed by various laws and regulations. One challenge in monitoring retirement plans limits, however, is that they are constantly changing. Each year in October, the IRS announces …

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Benefit Trust Heads to the Napa 401(k) Summit & Country Music Festival

what is the napa 401(k) summit? Expert retirement industry speakers by day and Nashville’s musical talent by night. Benefit Trust will be attending the 2018 NAPA 401(k) SUMMIT & Country Music Festival. These events will take place April 15th – 17th in Nashville, TN. Here we’ll come together with fellow retirement plan professionals for the …

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