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Retirement Plans Resource Page

Retirement Plans Resource Page

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Advance Copies of 2014 Form 5500 Available
Advance informational copies of the 2014 Form 5500 and Form 5500-SF (short form) were recently released, along with instructions describing modifications to these forms and their schedules for plan year 2014.

When Workers Won’t Retire, Challenges Arise
Organizations confront unintended consequences when retirement-eligible employees remain in place, sometimes because their total rewards package gives them incentives not to retire.

Bill Lets Multiemployer Pensions Cut Benefits
Distressed multiemployer pensions will be able to reduce benefits to retirees under legislation passed by Congress and expected to be signed into law.

PBGC Eases 401(k)-to-Pension Rollovers
The Pension Benefit Guaranty Corp. (PBGC) had made it easier for participants with both a 401(k) plan and a defined benefit pension to roll over funds from the former to the latter. But should retiring employees do this?

Multiemployer Pension Funding Crisis Looms
Some multiemployer pension funds are headed toward insolvency, and so is the multiemployer plan insurance program of the Pension Benefit Guaranty Corp.

Millennials’ Under-Saving Nixes Match
Many workers in their 20s and 30s are not saving enough to take full advantage of their employer’s 401(k) match, potentially leaving thousands of dollars on the table.

For 2015, 401(k) Contribution Limit Up to $18,000
Employees can contribute more to their 401(k) accounts next year, plus more defined contribution and pension plan adjustments for 2015.

Small 401(k) Plans’ Face Low Participation
When it comes to increasing participation rates, small plans face resistance from both employees and management.

Uptick in Mobile Apps and Auto Features
Engaging employees with mobile technology and ramp up automatic contribution to increase participation.

Supreme Court to Hear 401(k) Fees Case
A 401(k) excessive fees case involves use of retail fund classes when institutional shares were available.

Cash Balance Rule Expands Rate Options
New regulations for hybrid pension plans include a long-awaited final version of cash balance rule proposed in 2010.

IRS Notice on Pension Smoothing Elections
For defined benefit pensions taking advantage of pension smoothing, decisions about segment-rate elections are due by Dec. 31.

Find the Right 401(k) Match
Look at the bottom line to determine a match that can be sustained.

Less Is More: Sponsors Simplify 401(k) Menus
Too many investment options leave participants feeling confused and overwhelmed.


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 Related Resources


'Choose to Save' Resources. Find brochures, calculators, public services announcements and other materials that can help plan sponsors promote retirement plan participation at, a project of the nonprofit Employee Benefit Research Institute.

DOL's Lifetime Income Calculator. Via DOL.

Making Sense of the Uncashed Retirement Plan Check Dilemma. Via Inspira.




How America Saves: The Coalition to Protect Retirement
This SHRM-chaired coalition is working to defend the special tax treatment of retirement savings.


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Increasing Plan Participation
Focus on HR's host Kathleen Koch speaks to Linda Robertson and Ric Edelman about boosting employee participation in retirement plans.
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