Newsletter – Navigating 2026 with Confidence
Newsletter: Navigating 2026 with Confidence This quarter’s newsletter explores the key regulatory, workforce, and fiduciary shifts shaping retirement plan strategy in 2026. Here’s what plan sponsors need to know: What Plan Sponsors Need to Know in 2026 New SECURE 2.0 provisions, including Roth catch-up contributions, super catch-up limits, long-term part-time eligibility, and plan document restatements, […]
High Earners Roth Catch-up Provision
Beginning in 2026, a new rule will change how some employees make catch-up contributions. Workers age 50 or older who earned more than $150,000 in 2025 FICA wages must make their catch-up contribution as Roth, not pre-tax. Regular deferrals do not have to change. Plan sponsors can choose from several ways to apply the rule. […]
Retiring and Hiring: Generational Shifts and Your Workplace 401(k) Plan
Demographic cycles, generational expectations, and evolving retirement income solutions are reshaping the cost and opportunities of retirement plan design Every day, roughly 11,400 Baby Boomers turn 65, ushering in a historic retirement wave known as “Peak 65”. As this generation steps into retirement, the makeup of the workforce is changing fast. Baby Boomers, once the […]
Litigation Updates for Retirement Plan Committees
Notable case highlights and what to expect It’s been an exciting year for 401(k) plans, with court decisions shaping what’s expected of plan sponsors and fiduciaries. Here are the key decisions and issues to watch going into 2026. Did the Supreme Court make it easier for employees to bring ERISA lawsuits? The Supreme Court opined […]
What Every Plan Sponsor Should Know for 2026
Key updates and trends shaping retirement plans in the year ahead Retirement plan rules continue to evolve, and 2026 brings several important updates that may affect plan operations, participant experiences, and fiduciary responsibilities. Nearly 80% of plan sponsors have already taken steps to address SECURE 2.0 changes before their effective dates.[1] Understanding what is required […]
Is Your Retirement Plan Ready for Today’s Cybersecurity Threats?
Practical steps to help protect participants’ data and meet your fiduciary duties. As a retirement plan sponsor, you are juggling plenty of responsibilities. Investment oversight, fee monitoring, participant education… the list goes on. Now there’s another item on your priority list: cybersecurity. If you’re thinking “cybersecurity is an IT issue,” you’re not alone. Many plan […]
Protecting Your Employees from Bad Financial Advice
Why human-led employee education still matters It’s wonderful to live in a time when answers are just a click away. You can easily find out how many inches are in a meter, get TV show recommendations, and find out where the next Olympic Games will happen. But when it comes to financial advice, the internet […]
5 Advanced Tax Strategies for Employers
Elevating the value of your retirement plan Imagine this: It’s year-end and your CPA just reviewed your projected tax bill. Despite contributing to your 401(k), maximizing deductions, and running a profitable business, you’re still writing a sizable check to the IRS. You pause and think, there has to be a better way. If this sounds […]
Q3 2025 – Plan Sponsor Newsletter: Plan Design Considerations Edition
Retirement plan rules are changing, and we are here to keep you informed and updated. Here’s what you need to know: Plan Provisions & SECURE Act 2.0: Automatic enrollment, Roth options, student loan matching, and more. Is your plan designed for today’s workforce? Retirement Readiness: Employees need simple, helpful education to make confident choices. How […]
3 Plan Health Essentials: Forfeitures, Missing Participants, and Force-Outs
A strategic look at your 401(k) plan’s health Ever looked at your company’s 401(k) plan and spotted the name of an old colleague? It takes you down memory lane—you pause and think, “I wonder how they’re doing?” That familiar name may trigger a harmless moment of nostalgia. But it could be a signal for something […]