Participant Notices

Extra! Extra! Stay up to date on the latest news about the DWC team.

The retirement plan landscape is ever evolving. We distill the details so you don’t have to!

We’ve corralled the best news from inside the beltway – not only regulations, but also new legislation from Congress as well as relevant guidance from the IRS and Department of Labor. In true DWC fashion, we don’t just repackage a recitation of the rules, we provide our thoughts and commentary about what those rules mean to you.

We know cash balance rules can be intimidating! Settle into the Cash Balance Corner and let us break it down for you.

Have 401(k) questions? We have 401(k) answers! We bring you answers to many of the common questions we receive.

A behind-the-scenes look not at how the sausage is made, but why we make it the way we do. (Hint: It’s all about the best interests of the client.)

We’re all about learning from other people’s (alleged) mistakes. We might not be attorneys, but we still follow benefits-related cases and summarize lessons and key take-aways. No hourly fee needed for these insights!

A deeper dive into retirement plan topics doesn’t have to be headache-inducing. Our Pension Primer articles provide depth of information without depth of jargon!

DWC |

Reporting & Disclosure Calendar for Cash Balance & Other Defined Benefit Plans

Date & Deadline Deadline Description January January 1
Read More
DWC |

Retirement Plan Investments & Participant Communications

A retirement plan’s investment menu and the communication campaign are probably the two most visible aspects of any retirement plan from the participants’ perspective. They can go a long way in ...
Read More
DWC |

Lost Participants: I Ain't Missing You at All!

Nope, this isn’t an article about bad pop songs from the 1980s, but it is about something that can be just as much of a bother – lost participants with remaining balances in your retirement plan. ...
Read More
DWC |

Adding an Employee to Your Cash Balance Plan? You Should be Thinking This Article is "Just What I Needed"

Sponsoring a retirement plan can provide significant benefits to a company (and its participants). But with great benefits comes great responsibility…responsibility to follow all of the various ...
Read More
DWC |

DWC News Update | eDisclosures: Initial Notice and Notice of Internet Availability

Welcome to the exciting conclusion of our foray into the brave new world of eDisclosures. Today, in our final look at the DOL’s new eDisclosure ruling, we will breakdown the Initial Notice and the ...
Read More
DWC |

Do We Have to Provide New Paperwork When a Participant Requests a Second Distribution?

Facts When a participant requests a distribution from our plan, I provide them with a with a package that includes an election form and a bunch of other information. A participant who terminated and ...
Read More
DWC |

DWC News Update | eDisclosures: Covered Documents

The Department of Labor’s new rules that expand the electronic distribution of plan-related notices is a long-overdue and welcome change. We have provided a summary of the new eDisclosure rules and ...
Read More
DWC |

DWC News Update | eDisclosures: A Deep Dive into Electronic Addresses and Internet Websites

Although the Department of Labor’s new ruling on electronic disclosures doesn’t officially go live until the end of next month, it is already breathing new life into some fairly antiquated-sounding ...
Read More
DWC |

DWC News Update | New eDisclosure Rules: Maybe This Whole Internet Thing is Going to Stick

Just before Memorial Day weekend, the Department of Labor published rules allowing plan sponsors to set electronic media as the default method to provide plan information to participants. At more ...
Read More
DWC |

How Do We Stop Our Discretionary Matching Contribution?

Facts My company sponsors a 401(k) plan that provides for a discretionary matching contribution, which we deposit each pay period along with employee deferrals. Given the economic uncertainty, I’m ...
Read More
DWC |

Reporting & Disclosure Calendar for 401(k) & Other Defined Contribution Plans

Date & Deadline Deadline Description January January 31 Forms 1099-R Due to Participants The custodian/directed trustee of the plan delivers Forms 1099-R directly to the participants. Please ...
Read More
DWC |

Q3 Pension Pontifications

All of us here at DWC thrive on the really geeky stuff, and some of the best discussions start with Adam and Keith’s pontifications about how different topics impact our clients and our industry. We ...
Read More
DWC |

401(k) Notice Distribution: Hard Copy vs. Electronic Delivery

Facts It seems like 401(k) plans require a lot of different notices and disclosures be provided to participants each year. We have safe harbor and default investment notices at the end of the year, ...
Read More
DWC |

Who Must Receive Retirement Plan Blackout Notices?

Facts We have selected a new recordkeeper for our 401(k) plan. We are told that there will be a period of eight business days when our participants are not able to log in and manage their accounts. ...
Read More

Subscribe to our newsletter