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Articles

Oct
3
2016

SmartPlan Usability

When it comes to retirement, the two most important things you can do are to actually enroll in a plan, and prepare for retirement based on your needs. Unfortunately, businesses spend billions of dollars and waste time with countless education & enrollment meetings, yet have failed to increase the rates that people actually participate in […]

Oct
3
2016

SmartPlan Confidence

When it comes to retirement planning, knowing about what your retirement needs are, what you need to do to enroll, and what kind of contribution to set, are all very important. Companies put millions of dollars each year into programs that are based around increasing the knowledge of their employees about their retirement, with the […]

Apr
27
2016

Unbundled vs. Bundled Retirement Plans

Feb
18
2016

Understanding Fiduciary Responsibilities in a 401(k) Plan

*Excerpts from a report by Oppenheimer Funds and OGI Global Trust.  PlanPerfect is not affiliated with either OppenheimerFund or OGI Global Trust Fiduciary Responsibility The Employee Retirement Income Security Act of 1974 (ERISA) is designed to protect the retirement assets of workers who participate in an employer-sponsored qualified plan. ERISA sets the rules that plan […]

Jan
16
2016

Third Party Administrators (TPA) at a Glance

What TPAs Do A TPA’s responsibilities include, most importantly, retirement plan design, as well as record keeping, yearly testing to gauge a plan’s compliance with Internal Revenue Service’s (IRS) non-discrimination rules and participant contribution limits, and preparing annual returns and reports required by the IRS. When it comes to plan design, the goal of a […]

Dec
8
2015

Retirement Planning With The Younger Generation (Infographic)

Nov
20
2015

RIA’s Next Great Opportunity Younger Generations Need Help Planning for Retirement, Too

You believe only Baby Boomers think about retirement? They may not call it the same thing, but Gen Xers (age 35-49) and Millennials (18-34) have begun to take planning seriously for what they prefer to call their post-work years. And for good reason! According to some estimates they’ll have to save up to $9 trillion […]

Oct
15
2015

Buyer Beware: Why retirement plan sponsors should think twice before using payroll provider TPAs

When it comes to 401(k) plan administration and payroll, they don’t have much to do with each other beyond salary deferrals and W-2 compensation. Besides those two small elements, retirement plan administration requires a different type of knowledge and expertise. Payroll providers that offer retirement plan administration to their clients often attempt to create a […]

Aug
15
2015

Retirement Plan Jeopardy: Who Pays that Fee?

Fees have got to be the most asked about and least understood topic that comes up in my discussions with clients and prospects. I’ve heard dozens of different questions related to fees over the years, but a few stand out both in terms of how often they’re asked and their importance. Below we’ll look as […]

Jun
13
2015

One Stop Shopping Could Cost You

Is One-Stop Shopping the Best Way to Go? We all know that one-stop shopping saves time and money when we need a bunch of household items. We’re more likely to go to Costco or Home Depot than drive all over town to different stores. 401(k) plans require three services: plan administration, recordkeeping, and investment advisory […]

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