Thought Leadership

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July 7, 2022

Advisers in conversation: Creating lifetime income in retirement

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SBA founding principal Mindy Zatto joins Ted Benna, who designed and implemented the first 401(k) savings plan, for a discussion on the future of retirement savings plans and how plan sponsors can help close the participant education gap....

October 29, 2021

Ask an Adviser: How can employees pay off student loans and still save for retirement?

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Student loan debt is cited by 1 in 4 people as the reason they’re not saving for retirement. Fortunately, hope is on the horizon. Congress is currently considering two bills that would allow employees to pay off their student loans...

August 2, 2021

What happens when you squeeze a vendor too tight

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When a plan sponsor (or search specialist working on the plan sponsor's behalf) squeezes a vendor too tight, the resulting contract may come with an attractive price tag, but it will set plan sponsors up for a downstream nightmare of...

April 29, 2021

How to tell if you’re paying reasonable fees for actuarial services

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As a defined benefit (DB) plan sponsor, it can be difficult to determine whether the fees you are paying for actuarial services are reasonable. Here are some ways to evaluate whether actuarial fees are in line with the services provided....

December 16, 2020

(Webinar) Financial wellbeing: practical considerations and insights for employers

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Program length: 60 minutes Register and view now (available through March 2021) Interest in financial wellbeing programs hit a fever pitch after the pandemic-related events of 2020 exposed weaknesses in employees’ preparation and readi...

September 21, 2020

Pandemic sharpens focus on employee financial wellness

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COVID-19 has made financial wellness a hot topic in 2020 as employees seek to become more financially resilient. Here are some initial steps plan sponsors can take to gauge how well employees are using their existing benefits and...

September 16, 2020

‘Free’ plan implementation can come with big costs

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“Free implementation” has become a ubiquitous element of benefit plan administration proposals. The appeal to plan sponsors is understandable, but rest assured, with free implementation, you get what you pay for. Understanding the true...

August 5, 2020

To keep pension plan liabilities accurate, get to know participants’ marital status

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Confirming marital status when a participant dies is an important part of a plan administrator’s responsibilities, but it takes legwork and personalized attention. Here are some tactics we have used with great success....

March 6, 2020

Here’s how to create a SECURE Act plan of action

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Given the SECURE Act's broad scope and nuanced provisions, how should plan sponsors prioritize their responsibilities under the new law? Here's a systematic approach for developing a SECURE Act plan of action....

January 15, 2020

Preventive maintenance is key to retirement plan health

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Periodic checkups can keep plans running smoothly and help plan sponsors identify issues early, before those become difficult and expensive to correct. Such audits come in two varieties—transactional audits and operational audits....

December 23, 2019

A background on retirement plan cyber crimes and how to mitigate them

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The onus of safeguarding plan participants from fraud does not fall solely on the recordkeeper. Both DC plan sponsors and recordkeepers need to agree on fraud-resistant processes that are clearly documented, rigorously implemented and...

November 5, 2019

Retirement readiness starts at work

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Every year, 3.8 million people in the U.S. reach retirement age. How can plan sponsors help workers get ready? Offering a retirement readiness program that considers employees’ emotional, financial and healthcare needs can go a long...

August 27, 2019

Keeping up with all the players in outsourced benefits administration

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The benefits outsourcing market is evolving rapidly, making it hard for plan sponsors to know what to look for — and who to consider — when preparing RFPs for the outsourcing of defined benefit, defined contribution, health and...

August 14, 2019

Where plan sponsors and recordkeepers stand on multi-factor authentication

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We surveyed plan sponsors and 401(k) recordkeepers to determine how they are using multi-factor authentication (MFA) as a tactic for mitigating defined-contribution plan fraud and protecting sensitive participant and plan information....

June 18, 2019

How to walk the line with pension overpayments

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SBA principals Mary Shah and Mindy Zatto discuss ways to recoup pension overpayments that satisfy regulators and do not place burden on retirees, as well as how to prevent overpayments from happening....

June 18, 2019

Finding the right voluntary benefits broker may be trickier than clients realize

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When selecting a provider for voluntary benefits, small to midsize companies often turn to the same broker that serves their medical or retirement plan needs. But medical and retirement benefits brokers may lack the knowledge or...

February 27, 2019

Safeguarding DC plan data is about more than cybersecurity

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The onus of safeguarding plan participants from fraud does not fall solely on the recordkeeper. Both DC plan sponsors and recordkeepers need to agree on fraud-resistant processes that are clearly documented, rigorously implemented and...

December 4, 2018

Plan sponsors could consider a different solution to provider woes

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Occasional employee complaints about a benefit plan are inevitable. But when they become a regular occurrence, it can point to more significant problems with a plan administrator or other vendor. Companies that find themselves in this...