…that most employers do not regularly redesign their plans.) Even if your employer does not have the most progressive plan design, there are still ways that you can make the plan work better for you. The shift towards individual participants taking more ownership of one’s…
…private funds. This approach is also designed to contribute to asset growth over the long term. Liability-focused investment strategy, which is designed to hedge interest rate risk. This involves a high-quality fixed-income portfolio that is structured via investment in bond funds; it may also include…
As an institutional fiduciary, we have important safeguards in place to ensure that your solution is administered according to the highest and most secure standards. In addition, we undergo annual SOC 1 and SOC 2 audits and our third party administration (TPA) operations are CEFEX…
At Pentegra, we believe successful plan outcomes start with effective plan design. Plan features—automatic features—that better meet the needs of plan participants and plan sponsors can drive successful outcomes for participants and sponsors alike. The Pentegra SmartPath™ is a series of progressive plan design metrics…
At Pentegra, we believe successful plan outcomes start with effective plan design. Plan features—automatic features—that better meet the needs of plan participants and plan sponsors can drive successful outcomes for participants and sponsors alike. The Pentegra SmartPath™ is a series of progressive plan design metrics…
…flexibility, customization, outcomes. And all of these drive plan design. It’s all about asking the right questions so that together, we can design and offer an ideal retirement plan for each of your clients. Give us a call to talk about how we can help. …
…benefit limits will grow more slowly due to use of a lower rate for inflation. “Length of service” awards. Relatively obscure rule; limit raised from $3,000 to $6,000. The big one: effect on plan design of the 20% pass-through tax (see below) Will the 20%…
…best practice guide to plan design and savings strategies to help everyone achieve successful outcomes. Automated savings and investment features can be built right into a retirement plan’s design to help millennials plan their future, their way and on their time. In fact, 64% of…
…of changes made to the active service death and disability benefits. WHICH PLAN DESIGN FEATURE HAS THE GREATEST IMPACT ON PLAN COSTS? The plan’s benefit formula is key in defined benefit plan design. The benefit formula is the foundation of a pension program affecting both…
…plan. Under a MEP, each adopting employer can maintain an individual plan design, and compliance testing is performed on an individual basis for each adopter. A significant advantage of a true MEP is that only a single Form 5500 for the overall plan has to…
…and traditional 401(k) contributions, subject to the maximum contribution allowable under 401(k) rules, but contributions to a Roth 401(k) account are irrevocable, meaning that once a participant designates a contribution as a Roth 401(k) contribution, those assets may not be re-directed as traditional 401(k) contributions….
…that features a detailed series of progressive plan design metrics crafted in a way to best ensure successful retirement outcomes for both companies and their participants. The design we are advising is centered around automation. Automatic enrollment in – and subsequent automatic escalation of employees’…