Cross-Testing Plans Can Benefit Older, Highly Paid Employees |
Cross-testing combines profit-sharing contributions with defined contribution plans—and, by projecting the benefits afforded to employees at retirement, rather than allocations made along the way—it allows some sponsors to more easily fulfill non-discrimination requirements.
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Auto-IRAs a Better Solution to Close the Coverage Gap |
A research brief contends that a national auto-IRA program would be more efficient at closing the retirement plan access gap than state-run programs.
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Participants and Plan Sponsors Part Ways on Assessing Readiness |
What plan participants know about adequate savings rates and what plan sponsors think they know are often miles apart, according to a survey released by BlackRock.
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Boosting Participants’ Grasp of Benefits Starts With Better Delivery |
Nearly half of plan participants do not understand their benefits materials—and most don’t even open or read the information, says the International Foundation of Employee Benefit Plans.
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