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John Oliver Should Be Upset; His Hancock 401k Fees Are Too High!
John Oliver attacks his company’s John Hancock 401k plan. Hancock makes misleading statements in rebuttal. What’s the truth about Hancock 401k fees?
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401(k) Disclosure Rules Are Out of Date; It’s Time for Common Sense Reform
Current ERISA regulations make electronic delivery of participant disclosures risky for small business 401(k) fiduciaries. It's time for reform.
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How to Evaluate 401(k) Provider Competence in 2 Easy Steps
ERISA requires small business 401(k) fiduciaries to select “competent” 401(k) providers, but this job can be difficult due to the technical complexity of 401(k) services. To simplify the evaluation of provider competence, fiduciaries should focus on objective criteria that indicate competence.
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What’s the #1 Reason for 401(k) Lawsuits? Overpriced or Superfluous 401(k) Services
The DOL’s new fiduciary rule will make the value of 401k services more important than ever. Small business 401k fiduciaries should root out overpriced or superfluous 401k services to protect themselves from personal liability.
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The DOL’s New Fiduciary Rule – the Value of 401(k) Investment Services Will Be More Critical Than Ever
The final version of the DOL’s fiduciary rule was released April 6. This rule will make the value of 401k investments and related services more critical than ever for small businesses and financial advisors.
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Picking 401(k) Investments and Related Services Is Easy When Fiduciaries Know Their Options
Given the dizzying array of 401(k) investment options and services, small business 401(k) fiduciaries are often confused regarding the best options for their plan. The process of 401(k) investment decision making can be made easy by breaking it down.
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When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options
March 15 was the deadline for most 401k plans to distribute 2015 ADP/ACP test corrections in order to avoid a 10% IRS excise tax. Small business 401k fiduciaries do not need to settle for annual ADP/ACP test failures. There are many ways ADP/ACP test returns can be avoided or reduced. Once a fiduciary understands these options, they can discuss them with their 401k provider.
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SEC Money Market Reform Will Affect Many Small Business 401(k)s in 2016; 401(k) Fiduciaries Should Understand its Consequences
SEC money market reforms will take effect in 2016. If a 401(k) includes a money market fund in its investment lineup, small business fiduciaries should understand the consequences of these reforms in order to decide if their plan’s money market fund should be replaced in advance of the new rules.
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Small Business Retirement Plan Options: 401(k)s vs. SIMPLE and SEP IRAs
401(k) plans are the most popular type of small business retirement plan today, but they are not the only option available.
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Shopping For a 401(k) Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help
401k provider services can vary dramatically in breadth, depth and price. This variability can make it difficult for small business 401k fiduciaries to select providers with services that match their plan’s needs at a reasonable price. A checklist can make this job easier.
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