The IRS has finalized key regulations under the SECURE 2.0 Act that will reshape how 401(k) catch-up contributions work, especially for high earners. These changes go into effect on January 1, 2026, and plan sponsors need to start preparing now. At…
Regulatory Update: A Major Shift in Direction The Department of Labor (DOL) issued Compliance Assistance Release No. 2025-01 on May 28, 2025, formally rescinding its 2022 guidance that urged plan fiduciaries to exercise “extreme care” when including cryptocurrency, or “crypto,”…
Read More About Crypto in Retirement Plans: What You Need to Know
Beginning January 1, 2026, certain higher-paid employees must make all catch-up contributions to their 401(k), 403(b), or 457(b) plan as Roth contributions (after-tax). Who This Affects Highly Paid Individuals (HPIs) - employees who earned more than $145,000 in FICA wages…
Read More About Secure 2.0 and Roth Catch-Up Rules: Preparing for 2026
Retirement planning is often seen as a long-term concern, but for employers, it’s a pressing priority. Helping employees prepare for a financially secure future not only reduces stress but also builds trust and loyalty within the workplace. However, despite the…
Read More About The Psychology of Retirement Planning: How to Motivate Employees to Save
The One Big Beautiful Bill (OBBB), introduced as H.R. 1 in the 119th Congress and advanced through the budget reconciliation process pursuant to House Concurrent Resolution 14, was originally crafted as a sweeping legislative package encompassing tax, health, and social policy reforms. However, following…
Unlock the Potential of Open Enrollment to Boost FSA and HSA Participation Open enrollment is your annual opportunity to reshape your employees’ benefits experience. It’s the perfect time to educate your team, highlight the advantages of your offerings, and encourage…
Read More About Maximize FSA & HSA Benefits During Open Enrollment
Starting January 1, 2026, Highly Paid Individuals Must Make Their Catch-Up Contributions as Roth. The SECURE 2.0 Act impacts catch-up contributions for 401(k), 403(b), and 457(b) plans. Participants who earned more than $145,000 in FICA wages in the year must…
Read More About Mandated Catch-Up Contributions as Roth: What Plan Sponsors Need to Know
The landscape of retirement plan administration is shifting, with growing emphasis on advisor-driven service models, fiduciary responsibility, and participant outcomes. In a recent nationwide survey conducted by Alliance Benefit Group (ABG), the nation’s largest consortium of independent 401(k) recordkeepers, over…
Read More About What 401(k) Advisors Value Most in Recordkeeper Selection
For millions of Americans, 401(k) plans are synonymous with retirement planning. These employer-sponsored, tax-advantaged accounts are a pillar of long-term financial security. But what do Americans truly think about their 401(k) plans? Are common perceptions rooted in reality, or do…
Read More About How Americans Really Feel About 401(k) Plans (And What You Might Be Missing)
What’s in the Pipeline? Maybe you’ve heard about the One Big Beautiful Bill that includes some tax reforms? On May 22, 2025, the U.S. House of Representatives passed “The One Big, Beautiful Bill,” a comprehensive tax reform package. While the…
