COVID-19 Pandemic Why We Built the CARES Act 401(k) Calculator and Virtual Advisor ForUsAll was founded to help everyone build a brighter financial future. That has always meant providing more accessible retirement benefits far away from the Fortune 500. Participants in our 401(k) retirement plans
401k Administration What Is A 401(a) Plan? Among the alphabet soup that describes the defined contribution world, 401(a) plans are among the lesser known. The 401(a) primarily covers government employees, including those employed by schools and universities. While
401k Administration 457(b) vs. 401(k): What are the key differences? If you have narrowed your answer down to a) a passenger jet or b) a type of retirement plan, congratulations! A 457(b) is a retirement plan offered by a state or local
401k Administration 401(k) Hardship Withdrawal: What's Your Plan's Policy? Plans sponsors have a lot of options when designing the company’s 401(k) plan. Among the choices an employer can make is whether or not to allow hardship withdrawals. A hardship withdrawal
401k Administration How to Maximize 401(k) Contributions for Key Employees So your business is humming along and you’d like to maximize retirement benefits and 401(k) savings for your top performers. And, if your company can boost business deductions along the way,
401k Administration How to Think About Your 401(k) Vesting Schedule When it comes to running the company 401(k), there are a lot of trade-offs to consider. For example, you want to offer employees ample investment options so that they can construct a
401k Administration 401(k) Loan Policy Best Practices To start, here’s a bit of general background on 401(k) loans policy: Despite the fact that adopting a liberal 401(k) loan policy can add administrative burden, the majority of plan
401(k) Plan Documents The Quick-Start Guide to 401k Plan Documents and Records Whether you’re staring down the barrel of a 401(k) audit or just being proactive, knowing the details on your 401(k) plan documents (and keeping them organized) can save you a
401(k) Participation How Employee Financial Wellness Impacts Performance If your small business offers a 401(k), give yourself a pat on the back. You are building a retirement nest egg and providing your employees the chance to do the same. But
Small Business 401(k) 401(k)s for Engineering Firms: Structuring A Better Retirement Plan Meeting your engineering firm’s project deadlines is critical to your business. But your 401(k) also faces a deadline — the deadline for each employee to accumulate a sufficient nest egg by the
Nondiscrimination Testing 401(k) ADP Test: Why Your Employees’ Actual Deferral Percentage Matters Offering a 401(k) means complying with IRS and ERISA rules, and one of the cornerstones of compliance is making sure that 401(k) benefits are spread widely among employees, not primarily benefiting
401(k) Compliance 401(k) Regulations: 8 Common Regulatory Hurdles If you are thinking about including a 401(k) plan among your small business’s employee benefits – or have inherited the management of one – congratulations! A 401(k) is a great way for
401k Administration What is an ERISA Fidelity Bond? If your small business offers a 401(k) plan, then you are already well on your way to learning a new language – the language of 401(k)s. Your vocabulary may already include
401k Administration IRS 401k Fix-It Guide: A Primer On How to Fix Your 401(k) Have you ever discovered an error in your small business 401(k)? If so, then you probably remember that same sudden feeling of panic as when you’ve misplaced your smartphone, or discovered
401k Administration 401(k) Investment Options: 10 Tips for a Winning 401(k) Fund Lineup There are a lot of moving parts to your company’s retirement plan. From getting employees enrolled to making distributions in a timely manner, to keeping up with ERISA regulations, there is much
401k Administration Should Your Private Wealth Manager Run Your Company’s 401(k)? Business owners often hire their personal wealth manager to manage their firm's retirement plan. Here's what to consider before making the same mistake.
403(b) 401(k) and 403(b) Education: How to Set Up Employees for Success When it comes to educating participants, plan sponsors running ERISA retirement plans must, at a minimum, notify employees annually that they have the right to participate in the plan, or to make changes.
401k Administration 401(k) ESG Investing: How Responsible Are Your Funds? If you think you’re hearing more about ESG and sustainable investing, you’re right. Assets are growing in mutual funds and ETFs that seek out companies exhibiting the values shared by their
401(k) Providers Pros and Cons: What is a Professional Employer Organization (PEO)? As you focus on growing your small business you may have considered working with a Professional Employer Organization, or PEO. Or you may have already outsourced some tasks to such a group. A
403(b) Average 403(b) Fees: How Do Yours Compare? Here’s some good news: it is costing non-profit organizations less to operate their 403(b) plans. That’s the conclusion of the 2016 BrightScope/ICI survey that examined ERISA plan data between
403(b) How to Automate 403(b) Administration If your organization offers a non-profit retirement plan then your employees are equipped with a great way to save for retirement. But that can also mean some heavy duty administration for your organization.
403(b) What are the best funds for your 403(b) plan? If your non-profit offers a 403(b) retirement plan, one of your greatest responsibilities is choosing the right investment options. Your employees are relying on you to make good fund choices for the
Small Business 401(k) Five Ways To Optimize Your Small Business Retirement Plan When you are running your small business, no two days are the same. But do you have the time and the staff to keep up with the evolving 401(k) market as well?
401(k) Fiduciary Requirements What Does a 401(k) Advisor Do? So you are managing your company’s 401(k) all by yourself? On the one hand, a 401(k) is a great way for you and your employees to steer a significant portion
403(b) Nonprofit Retirement Plans: An Overview of 403(b) Options A 403(b) retirement plan is often described as a “401(k) for nonprofits.” The two defined contribution plans are certainly similar, but there are important differences between them. The 403(b) actually
