Employee Benefits Blog | Navia Benefits

Final IRS Regulations on 401(k) Catch-Up Contributions: What Employers Need to Know Before 2026

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…

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Crypto in Retirement Plans: What You Need to Know

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,”…

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The Psychology of Retirement Planning: How to Motivate Employees to Save

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…

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Maximize FSA & HSA Benefits During Open Enrollment

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…

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How Americans Really Feel About 401(k) Plans (And What You Might Be Missing)

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…

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Student Loan Repayment: Now’s the Time to Offer Education Benefits

Table of Contents Loan Collections Will Resume How Navia Can Help: A Full-Spectrum Education Benefit Solution Why Offer Student Loan Repayment Now? Employers Can Help Conclusion FAQs Loan Collections Will Resume The U.S. Department of Education announced that its Office…

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Retirement Savings Strategies for Highly Compensated Employees

Much has been written about how Americans save and how about half do not save for retirement; however, highly compensated employees are often overlooked in this discussion because the assumption is that they will be simply fine—thank you very much.…

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Top Workplace Benefit Trends to Watch in 2025

Workplace benefits trends continually transform as organizations strive to meet the evolving needs of their workforce while navigating an increasingly complex business landscape. By embracing trends like Artificial Intelligence (AI), enhanced mental health initiatives, and innovative health and financial benefits,…

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11 key features for a Benefits Administration Solution

Consolidation of benefits under one benefits administration solution is a growing trend Navigating the complex landscape of a benefits administration solution can be daunting for even the most seasoned HR professionals. In an era where employee retention and satisfaction are…

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HSA Providers Offer Companies Big Health Care Savings

Do Health Savings Account (HSA) providers have the secret weapon for cost-effective employee benefits? In today's rapidly evolving marketplace, where every dollar counts, companies face the perpetual challenge of managing healthcare costs while still offering competitive benefits packages. Enter the…

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6 Common Challenges in Benefit Administration Services & How to Overcome Them

Navigating the Maze of Benefits Administration Services Imagine benefit administration services as a complex jigsaw puzzle. Each piece, when looked at individually, may not make much sense. However, when pieced together correctly, they create a beautiful picture of a thriving…

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The Comprehensive Guide to Open Enrollment Communications that Work in 2024

Open enrollment communications are pivotal to a successful open enrollment process. Good communications are also a strategic opportunity to boost FICA savings for your company. Most companies do a one-time information blast to their employees about their options, resulting in…

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Small Business Retirement Plans: Strategies for Success

In today's dynamic business landscape, small business retirement plans are more than just an add-on; they are an investment in the future well-being of your employees and your business. Additionally, small business retirement plans are increasing in popularity due to…

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401k Plan Administrator: 9 Qualities To Look For

Retirement plans are highly regulated, and organizations must consider a multitude of variables when it comes to choosing a 401k plan administrator. Choosing the right partner is essential to the success of a company’s retirement plan and can help your…

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Top 4 Reasons to implement a Student Loan Repayment Plan Today

Americans with federal student loan debt will be forced to start repaying on those loans this fall due to the Supreme Court ruling against President Biden’s proposed student loan forgiveness program. Student loans have been in suspension for several years…

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Best in class total compensation statement examples

Many employers are using total compensation statements, also known as employee benefit statements, to help employees understand the value of their pay and benefits package. An effective total compensation statement increases employee retention, promotes company culture, and increases job satisfaction.…

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Medical Travel Benefits for Employees and What Employers Need to Know

On June 24, 2022, the U.S. Supreme Court  upheld Mississippi’s restrictions on abortion, a ruling that may lead employers to revise their employee health care benefits to include medical travel benefits. The SCOTUS decision overturns Dobbs v. Jackson Women’s Health Organization,…

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Student loan relief to end; Companies plan rescue with Student loan repayment benefits

Student loan repayment benefits are taking center stage in lieu of the latest forbearance extension. Student loan borrowers face a deadline of August 31, 2022 to restart their loan payments and many say they just aren’t up to the task.…

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5 FSA changes in 2021 stimulus bill offer relief to employees

President Trump signed the HR 133 Consolidated Appropriations Act (CAA) on December 27th, which contains five FSA changes to help employees avoid losing funds. The new provisions temporarily do away with the “use-it-or-lose-it” rule through 2022 by providing unlimited carryover…

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ADP® Marketplace Adds Navia Benefit Solutions

The ADP® Marketplace integration offers measurable time savings and an easy way to shop for benefits Employers can now access Navia Benefit Solutions’ consumer-directed health and COBRA plans through ADP® Marketplace! Navia wanted to make accessing and signing up for…

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Home office reimbursement next big recruitment benefit

Home Office Reimbursement benefit plans are fast becoming a hot commodity for any company renegotiating its work-from-home policy. Uber recently joined the growing list of employers—like Facebook and Google—moving to a long-term work-from-home policy to keep employees safe and healthy…

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ICHRA and EBHRA: Understand the fundamentals

Two new HRA plan types are available: Individual Coverage HRA (ICHRA) and Excepted Benefit HRA (EBHRA). On June 13, 2019, the Treasury, Department of Licensing (DOL), and Department of Health and Human Services (HHS) released final HRA plan…

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HSA research affirms HSA owners are healthcare’s savviest consumers

New HSA research demonstrates HSA owners are 80 percent more likely to be saving aggressively. But only 11 percent have maxed out their contributions. Alegeus, a SaaS platform for managing consumer-directed health plans (CDHPs), released part one of its two-part…

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May 24, 2024

Healthcare FSA: A Wise Financial Decision for Employees and HR Managers

Let's explore everything you need to know about a Healthcare FSA and why this benefit makes good sense for employees and human resource managers. As an HR manager, you are at the forefront of ensuring that your company’s benefits package…

May 23, 2024

Small Business Retirement Plans: Strategies for Success

March 27, 2024

401k Plan Administrator: 9 Qualities To Look For

February 8, 2024

Nexus Administrators and Navia Benefit Solutions Announce Company Merger

Nexus Administrators and Navia Benefit Solutions Announce New Partnership Fresno, CA – February 8, 2024 – Nexus Administrators, Inc., an experienced retirement plan administrator for over 30 years, announces its partnership and merger with Navia Benefit Solutions, a nationwide consumer-directed…

November 10, 2023

2024 FSA, HSA, and commuter benefits contribution limits grow

Some employees may be able to eliminate more taxes next year and save more money because the IRS has announced new increased contribution limits to Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), commuter benefits, and more for 2024. The…

July 24, 2023

Top 4 Reasons to implement a Student Loan Repayment Plan Today

May 4, 2023

End of the COVID-19 National Emergency and Outbreak Period

On April 10, 2023, President Biden signed a joint resolution (H. Joint Resolution 7) to end the COVID-19 National Emergency. The National Emergency will now end on May 11, 2023. This means employers will no longer be required to extend…

February 28, 2023

Best in class total compensation statement examples

February 21, 2023

Health and Welfare COVID-19 Extended Deadlines to End Soon

The White House announced its plan to end both the national and the public health emergencies on May 11, 2023, which will affect health and welfare extended COVID-19 deadlines. In early 2020, President Trump declared a public health and a…

January 20, 2023

2023 Benefit Trends Report

Navia has pooled the opinions of leading benefit experts and top HR journals to come up with this year’s 2023 Benefit Trends report. Download the report now to find out what the new year holds for human resources and benefits…