401(k) Q&A | Plan & Industry Content From DWC

DWC in Investment News: Bitcoin Too Risky for 401(k)s Part II?

DWC 05/16/22

"Before Fidelity made its move, the Department of Labor had sent a warning about using crypto in retirement accounts. In March, the agency issued a compliance assistance release cautioning retirement plan fiduciaries to “exercise extreme care” when considering crypto currency investments." writes Mark Schoeff Jr. in Investment News.

Secure 2.0 - Don't Count Your Chickens Before They Hatch

Adam C. Pozek 03/31/22

Earlier this week, the House of Representatives passed SECURE 2.0. The bill (actual name is Securing a Strong Retirement Act of 2022) passed by the nearly unanimous margin of 414 to 5. It doesn’t get much more bipartisan than that!

DWC Selected as TPA for Franklin Templeton Retirement Group Plan Solution with Transamerica

DWC 12/2/21

Transamerica has been selected by Franklin Templeton as the recordkeeper for a new retirement plan solution. The Franklin Templeton Group Plan Solution is offered exclusively through Franklin Templeton and was created for employers seeking to benefit from group pricing and access to services not always available, particularly to smaller companies.

Step Aside 3(16) – the 402(a) Fiduciary Is The New Flavor of the Week

DWC 08/24/21

In the color-by-numbers world of retirement plan fiduciaries, the 3(21) was the first one on the block, followed quickly by the 3(38). Then came the 3(16), widely sold as the silver bullet that would protect plan sponsors from the liabilities lurking around every corner. Now, the 402(a) fiduciary is ready to kick all of them to the curb…if you ...

“Cover Me” with the Pension Benefit Guaranty Corporation

DWC 08/19/21

Welcome back to Cash Balance Corner (CBC) after a brief summer hiatus. We thought you deserved a break after all the math we threw at you in the last few entries. This is the 15th installment for CBC, which started with cash balance plan basics and progressed to the complexities of nondiscrimination testing. Our plan is to wind up CBC by the end ...

The Mega Backdoor Roth…Here We Go Again

DWC 07/29/21

Every year, the financial press seems to write about the so-called Backdoor Roth and Mega Backdoor Roth strategies in 401(k) plans, and this year is no exception. (Maybe the Super Duper Mega Backdoor Roth will be next year.) The difference is that the articles usually start to appear closer to the Fall, but they are trending earlier this time ...

When Is the Best Time to Set Up a Safe Harbor 401(K) Plan?

DWC 06/17/21

Facts We have been thinking about setting a safe harbor 401(k) plan and have heard that there are some pretty stringent timing requirements depending on some of the provisions we select.

Designing Your 401(k) Plan for Combined Testing

DWC 05/6/21

Thousands of 401(k) plans are designed each year to promote savings in the most cost-effective manner. Most are established as stand-alone plans and will remain that way for their entire existence. Some, however, are initially set up as stand-alone, only to be paired with a cash balance plan down the road. Since most cash balance plans are ...

IRS Enforcement Initiatives: It’s Not Paranoia If They’re Really After You

DWC 04/29/21

2020 Retirement Plan Tax Deductions - It's Not Too Late

DWC 04/15/21

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