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

Can You Make Extra Payments on a 401(k) Loan to Pay It off Faster?

DWC 05/29/18

Facts A participant in our 401(k) plan took out a loan a couple years ago. She could only afford to make the bare minimum payments at the time, but is now in a financial position to pay down the loan more quickly.

What Are The Different Types of 401(k) Contributions And How Do They Work?

DWC 03/27/18

Facts Our business is considering setting up a 401(k) plan for our employees. We know that it can include both employee contributions and company contributions, but we keep hearing about all sorts of other contributions. There are profit-sharing contributions, matching contributions, qualified nonelective contributions, and Roth contributions.

Which 401(k) Plan Fees Can Be Paid Out of Plan Assets?

DWC 03/20/18

Facts When we first established our 401(k) plan, the company didn’t have a lot of discretionary income, so we went with a low-cost provider and set it up so the plan would pay for its own fees. We have since been told that paying fees out of the plan isn’t that straightforward.

DWC on Enterprise Radio: How Selling a Business Can Impact Your Retirement Plan

DWC 02/26/18

DWC partner Jen Gibbs Swets recently spoke with Enterprise Radio host Eric Dye to discuss selling a business and the impact it has on retirement planning. Swets, who has more than 15 years of experience in the industry, shared her expert opinion and advice on how to handle this kind of transaction, what to expect (both the good and the bad), and ...

DWC in BenefitsPRO: Tax Bill Might Affect 401(k) Offerings

DWC 12/6/17

The reconciliation of the tax reform bills working their way through Congress is prompting retirement industry experts to speak up. Many are expressing concern that the unintended consequence of the some of the proposed changes would create a disincentive for some business to offer or maintain 401(k) plans for their employees.

The 2018 Retirement Plan Contribution Limits Are Here

DWC 10/19/17

The IRS has released the 2018 contribution limits! Since not everyone was awaiting them quite as eagerly as we were, here is a quick summary.

DWC in Bloomberg BNA: Bitcoin Too Risky for 401(k)s?

DWC 09/18/17

"Bitcoin may be the hottest thing going in the investment world, but 401(k) plan participants aren’t likely to see it on their regular investment menus anytime soon," writes Jasmine Ye Han in Bloomberg BNA.

DWC in 401(k) Specialist: Trends to Watch in Plan Service

DWC 08/23/17

"The 401(k) service sector has evolved considerably since its introduction in the Revenue Act of 1978," writes DWC Partner Keith Clark in 401(k) Specialist.

Can I Add a Personal SEP IRA to My Company's 401(k) Plan?

DWC 07/24/17

Facts Our firm sponsors a 401(k) plan that includes a 3% of pay safe harbor contribution. The plan also includes a profit sharing provision, but the only company contribution we usually make is the safe harbor.

What's Old Is New Again

Adam C. Pozek 11/14/14

Whether we’re talking fashion or music or architecture or barber shops, it seems things that have faded from existence eventually come back around. See if this cycle looks familiar: cutting edge becomes status quo becomes so last week becomes so [insert decade] becomes retro becomes vintage.

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