…of the investments. Increases and decreases in the value of the plan’s investments do not directly affect the benefit amounts promised to participants. By contrast, 401(k) plans often permit participants to direct their own investments within certain categories. Under 401(k) plans, participants bear the risks,…
…threshold is exceeded (e.g. when stocks appreciate by 10% or more versus bonds over a 4-week period). Given that current equity markets are very richly valued with the added variables of Covid-19, higher interest rates and geopolitical risks, there may be several potential benefits to…
…So far, PEP growth has been most pronounced among small to mid-sized employers, particularly those without dedicated in-house HR or employee benefits teams. For these organizations, the appeal is straightforward: shared services, professional fiduciary oversight, and simplified plan administration. Geographically, regions with a strong advisor…
…have. Let’s talk about two of them – namely, things we can address in plan design and things we can communicate to help set expectations. In plan design, our first goal is participation. To that end, auto-enrollment has been proven to be effective in getting…
…Fiduciary Day PENTalk™ – an interactive workshop designed to deliver a simple and effective understanding of these services and learn more about how you can leverage the 3(16) opportunity for your book of business. Hear from leading advisors on the tremendous opportunity 3(16) represents and…
Our PENTalk™ provides an overview of how to prevent an audit, protect your retirement plan and yourself along with protective services Pentegra can offer your practice….
Laws change frequently and retirement plans need to be amended to comply with the most recent requirements. Attend this PENTalk™ to learn how best to approach making changes to your retirement plan.
As the retirement space continues to expand, what new technologies, solutions and opportunities will help improve plan outcomes? Attend our upcoming PENTalkTM where we will discuss what’s on the horizon for the retirement industry in…
…and participant outcomes. According to Fidelity Investments’ 2026 Plan Sponsor Attitudes Study, 93% of plan sponsors surveyed work with an advisor as they navigate plan design, investment decisions, market complexity and long-term retirement strategy. More than half—56%—said they turn to their advisors for help with…
…easily quantified than things like expertise and quality and the care of consulting that we deliver together. When cost is the primary driver, benchmarking is a pretty straightforward quantitative analysis. When you’re prospecting it’s an offensive strategy as you invite employers to look at potential…
When it comes to retirement plans, there are many ways to distribute a company’s profit sharing contribution. It may be as straightforward as a proportional, or “pro rata,” share to each eligible participant or it can be based on a formula that considers age or…
Each year the Trustees of the Social Security and Medicare Trust funds report on the current and projected financial status of the two programs. The Report includes extensive information about the current operations of these important social insurance programs and analysis of their outlook. Assumptions…