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Why Fiduciary Training Should Be a Priority for Your Retirement Plan Committee

If you serve on a retirement plan committee, you’ve taken on an important and legally significant role. As a fiduciary under the ERISA, you are personally liable for the decisions you make regarding the plan. That’s not a...more

What If an Employee Doesn’t Tell You They Got Divorced?

When an employee forgets—or chooses not—to notify you of a divorce, it can cause a ripple effect on your benefit plan administration, particularly with your health plan. Here's what you need to know and do to keep your health...more

Why You Can’t Kick High Claimants Off Your Health Insurance

If your health insurance premiums have gone up again, you are not alone.  For that reason, we frequently get questions from clients on whether there is anything they can do to get high claimants off of their plans....more

2025 Benefit Limits & Annual Amounts all in One Place

There is a telltale sign that you are a true benefit nerd...you have printouts of the annual benefit plan limits tacked to the wall by your desk. I frequently reference my charts, but it has been a few years since I found a...more

Five Year End To Dos for Your Self-Insured Health Plan

Santa is not the only person who should be making a list and checking it twice this December. All sponsors of self-insured medical plans should also make sure that they double-check their year end to do lists....more

You May be Able to Increase Health Plan Premiums and Stay Affordable in 2025

For the first time in four years, the IRS adjusted the affordability percentage used for the shared responsibility penalties. The IRS recently announced that the affordability percentage for 2025 will be 9.02%....more

Actions Needed to Get Your Health Plan in Compliance With the New HIPAA Rules

On April 26, 2024, the U.S. Department of Health and Human Services (HHS) published the Reproductive Health Care Rule. This final rule enhances the HIPAA privacy protections for protected health information (PHI) relating to...more

Do you Have the Proper Document in Place to File a Single 5500 for your Welfare Plans?

Unless an exception applies, all ERISA-covered benefit plans have to file an annual Form 5500 each year with the DOL and IRS (filed through the DOL’s website). Plan sponsors have the ability to combine their welfare plan...more

You May Need to Lower Employees’ Premiums to Keep Your Plan Affordable Under the ACA

For the third year in a row, the IRS adjusted the affordability percentage used for the shared responsibility penalties down. The IRS recently announced that the affordability percentage for 2024 will be 8.39%. This is down...more

Why Time is of the Essence More than Ever in Correcting Retirement Plan Errors

Errors in retirement plans happen even to the most well-intentioned plan sponsors. Several decades ago, the IRS published the first version of the Employee Plans Compliance Resolution Program (EPCRS), which outlines...more

Fidelity Bonds v. Fiduciary Insurance - Do You Know the Difference?

As you may be aware, Employee Retirement Income Security Act (ERISA) fidelity bonds and fiduciary liability insurance are not the same. Both serve to mitigate risk for fiduciaries, and are critical aspects of an employee...more

Save Trees, Grow Retirement Plans

SECURE 2.0 has changed the game again by now allowing employers to save time and money by eliminating certain notices to be sent to unenrolled employees. In the past sponsors were required to send voluminous documents...more

New Optional In-Service Withdrawal Right for Domestic Abuse Victims

The next installment of our updates on SECURE 2.0 is on another new in-service withdrawal option. SECURE 2.0 allows plan sponsors of defined contribution plans to amend their plans to allow plan participants who are victims...more

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