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

What Do We Need to Consider When Switching from a SIMPLE IRA to a 401(k)?

DWC 07/9/19

Facts We’ve sponsored a SIMPLE IRA for our employees for years and while it’s served its purpose, we are beginning to feel the limitations inherent in the plan. As we begin to grow, we’d love to be able to add provisions for eligibility and to be able to reward our key performers. I’m hesitant about making a change from this “known” commodity to a ...

The 2019 Retirement Plan Contribution Limits

DWC 11/1/18

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The IRS has released the 2019 contribution limits! Since not everyone was awaiting them quite as eagerly as we were, here is a quick summary.

Plan Sponsors & Fiduciaries: Here's What You Should Be Watching

DWC 10/11/18

Industry Insight Round Up 10.11.2018_blog header image

DWC stays on top of what's trending, and our self-proclaimed pension geeks often offer their insights in industry publications. As we transition into the fourth quarter the theme has been, "What Plan Sponsors Need to Know." Get caught up with this month's round up:

Delinquent Deposits of Employee Deferrals? There's a Fix for That!

DWC 09/27/18

While it might not seem like that big of a deal if 401(k) deposits are made a couple days or weeks late, the Department of Labor (DOL) considers those payroll withholdings to be plan money on the deposit deadlines regardless of where the money is physically located. To the extent those monies are still in the plan sponsor’s control, the delayed ...

Breaking News: The IRS PLR on Student Loan Benefits in 401(k) Plans is Much Ado About Not Much

DWC 08/21/18

Student Loan Benefits_Industry Update Blog Post Header Image

We interrupt your regularly scheduled programming to highlight the IRS’ not-so-ground-breaking entrance into the world of student loan benefits in 401(k) plans.

Retirement Planning & Regulatory Trends You Should Be Watching

DWC 08/16/18

Industry Insight Round Up 8.16.2018_blog header image

Feeling out of the loop on industry happenings this summer? DWC stays on top of what's trending, and our self-proclaimed pension geeks often offer their insights in industry publications. Get caught up with this month's round-up:

Decoding the Alphabet Soup: What's With All the Acronyms? | Part 1

DWC 07/24/18

Facts People in the retirement plan business sure do like their acronyms. All these letters get thrown around, and I do not know what half of them mean.

Here's What Happens to Your 401(k) After a Company Merger or Acquisition

DWC 07/12/18

Corporate mergers and acquisitions can be stressful. When employees hear that their company is part of such a deal, they instinctively worry about their jobs. Even with reassurances that there's no need to worry about layoffs any time soon, employees should expect changes in their benefit plans, particularly their 401(k)s or other retirement ...

Correcting a Failure to Withhold Deferrals from Eligible Compensation

DWC 06/28/18

Facts ABC Company maintains a 401(k) plan that includes the following provisions: It operates on a calendar year. Compensation is defined as W2 wages with pre-tax deferrals added back and no exclusions. Eligible participants can defer up to the IRS limit $18,500 + $6,000 for those age 50 or older (2018 limits, indexed for inflation) The company ...

Can We Exclude Seasonal Employees From Our 401(k) Plan?

DWC 06/5/18

Facts Our company’s workload fluctuates throughout the year with big spikes during the summer. As a result, we often hire seasonal workers who help us out during the busy times, but do not work during the regular workload months.

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