Plan Optimization

Europe Pension Crisis Looming

European Pension Crisis

Though there’s a lot of concern about the retirement crisis in the U.S with much criticism about the defined contribution (DC) system which includes 401k plans, the situation in ...

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Deferral Rates Increase 20% Through Financial Wellness

Pete Carlson

  We talk a lot about the use of auto-enrollment and the “ideal plan” to boost deferral rates and increase income replacement rates for defined contribution (DC) participants, but ...

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But, I thought all HSA ‘s were the same

First steps in discerning the multitude of HSA partners Fred’s Take: Health Savings Accounts are becoming more important especially as companies move to high deductible health care plans. But most ...

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Are Defined Contribution Plans Falling Short?

Retirement readiness

The stunning growth of defined contribution (DC) plans like 401(k)s as well as IRAs topping $14 trillion dwarfing assets in traditional DB pension plans can mask what the Economic ...

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DOL Investigates Companies Holding Out on DB Payments


The number of Fortune 500 companies offering just defined contribution (DC) plans, eliminating or freezing their DB plan, has doubled since 1998 with more companies transferring the risk by ...

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New Normal for Retirement Age: 81 Years Old

Retirement cake

A study by Royal London in the UK estimates that people in some regions will have to keep working until 81 years old to achieve the “gold standard” retirement ...

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Can Federally Mandated Auto-IRA Save Non-covered Workers?

Employer Challenges

Top research group says federally mandated Auto-IRA is answer to retirement savings gap among non-covered workers. According to a study by the Center for Retirement Research at Boston College, ...

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