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Plan provisions that every 401(k) plan should have

I probably have drafted and amended thousands of plans over the years and every plan has its little...

Know when a SEP no longer fits

Small employer plans like a SEP or a SIMPLE-IRA are great opportunities for small businesses to sav...

The question of providing information

ERISA requires disclosure of certain plan documents to participants including a summary plan descri...

The problem of the de-conversion process

Years ago, I was the Executive Editor of my law school’s news magazine. In one of my final issues...

You Need A Financial Advisor

I am still shocked at how often I find participant-directed 401(k) plans without a financial adviso...

Picking the cheapest provider can be a breach of fiduciary

When it comes to health and fitness, you constantly hear studies about what foods fight or cause ca...

Make sure providers let you know about a data breach

I had a running joke about places I’d work where I felt the only way they’d tell you that the b...

Make Sure The Census Information is Correct

I use the expression “garbage in, garbage out” if an end of year census report is done incorrec...

I will never understand a TPA asset based fee

I’m stubborn and there are just some things I don’t understand, so hear me out. I got a call...

Make sure your custodian knows who the trustees are

If you’re a closely held business or not, changes do happen. Whether it’s leadership or who ser...