Newsdash Insight on Plan Design & Investment Strategy from PLANSPONSOR
May 3rd, 2018

The Value of NQDC Plans

Considering the growing recognition that one’s income replacement rate is key, what is the answer for the high-income earner, when the most he can defer to his 401(k) plan, pre-tax, is $18,500 a year? If his employer is unacquainted with nonqualified deferred compensation (NQDC) plans, one could make all the difference: letting the employee defer, pretax, up to 100% of his earnings, while helping the company retain his talent and the adviser who suggested the plan win or solidify the business. Read more >
SEC Issues FAQs About Share Class Selection Disclosure Initiative
If an adviser reduced their fee due to the receipt of 12b-1 fees, the SEC might not ask for any disgorgement; for instance, if an adviser regularly charges an annual management fee of 1.25% of assets but lowered that to 1% in light of the 12b-1 fees, the SEC says it is unlikely to ask for any disgorgement. Read more >
Leveraging the Popularity of TDFs to Provide Retirement Income
In a Q&A with BlackRock Managing Director Anne Ackerley, PLANADVISER hears about emerging opportunities to deliver retirement income solutions to DC plan participants, including through TDFs.   Read more >
Private Wisconsin Colleges Form 403(b) MEP, Reflecting Wider Trend
The news comes as a large number of ERISA lawsuits are playing out in the district and appellate courts across the U.S., testing whether 403(b) plan sponsors of major universities have sufficiently exercised their bargaining power or allowed inefficient recordkeeping arrangements to persist over long periods of time. Read more >
Treasury Rates’ Slow Upward March Boosted Pension During April
According to LGIMA’s Pension Solutions Monitor Report for April 2018, the month of April brought plenty of sources of concern in terms of global and U.S. equity asset prices. Concerns mounted during the month about trade disputes and geopolitical tension, but investors still experienced positive price action as earnings, especially in the U.S., exceeded expectations. Read more >
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Sponsored message from Wells Fargo
Moving From Inertia to Income: Insights Into Delivering Successful Retirement Outcomes
New research: Actions you can take tohelp meet the changing retirement income needs of your clients Read more >
Breaking Down Fiduciary Uncertainty for Plan Sponsor Clients
Backing away from the topic of the DOL fiduciary rule, ERISA attorney Fred Reish focused his speech at the Plan Sponsor Council of America’s national conference on general compliance duties of ERISA plan sponsors; he noted that courts have applied what is called the “two hats” doctrine. Read more >
NTSA Issues Best Practices Guide for 403(b) and 457 Plans
The guide includes information on rollovers, loans, hardship withdrawals and much more. Read more >
Market Mirror
Wednesday, the Dow was down 174.07 points (0.72%) at 23,924.98, the NASDAQ closed 29.81 points (0.42%) lower at 7,100.90, and the S&P decreased by 19.13 points (0.72%) to 2,635.67. The Russell 2000 gains 4.58 points (0.30%) to finish at 1,554.92, and the Wilshire 5000 was down 169.68 points (0.61%) at 27,422.88. The price of the 10-year Treasury note was down 2.32, increasing its yield to 2.974%. The price of the 30-year Treasury bond decreased 10/32, bringing its yield up to 3.146%.

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

Advertising: Paul Zampitella paul.zampitella@strategic-i.com

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