Receiving notice that your 401(k) plan has failed the Actual Deferral Percentage (ADP) or Actual Contribution Percentage (ACP) nondiscrimination tests can be unsettling. But you are not alone—this is one of the most common compliance issues plan sponsors face, and...
The IRS requires all 403(b) retirement plans to be periodically updated to reflect changes in law and updated IRS guidance. This Cycle 2 restatement incorporates legislative and regulatory updates from the prior cycle, including provisions under the CARES Act, the...
The SECURE Act Plan Amendment will be added to plans during 2026. This plan amendment will have to be signed and completed no later than Dec. 31, 2026. As you may be aware, Congress enacted the SECURE Acts (1.0 & 2.0), both of which introduced a broad set of...
Whether you use our Data Validation Center (DVC) or have payroll integration established for your plan, it is best practice to include all census data, including dates of birth, hire, termination and rehire, as well as email addresses, for all employees on your...
By Kevin McDevittRetirement planning has evolved significantly over the past decade. While 2026 may not feel like it was long ago, major legislative updates and inflation adjustments have reshaped how 401(k) plans operate over the last decade. Understanding these...
Market Data as of Week Ending: 1/23/2026 unless noted otherwise U.S. equities declined overall during the holiday-shortened week, though markets recovered much of the losses by week’s end. The S&P 500 experienced its largest single-day drop since October after...
Market Data as of Week Ending: 1/16/2026 unless noted otherwise U.S. equities were mixed last week as earnings season kicked off with several big banks reporting fourth-quarter results. Expected earnings growth for Q4 2025 was lowered to 8.2% and if realized, the...
Market Data as of Week Ending: 1/9/2026 unless noted otherwise U.S. equities rose last week, overcoming heightened geopolitical tensions as most major indices closed at record highs. With an estimated 8.3% growth rate for Q4 2025, the S&P 500 is on track to...
Sending You Warm Holiday Wishes With the holiday season approaching, we want to take a moment to share our heartfelt appreciation for the opportunity to support your organization and its meaningful mission. Your commitment to helping others prepare for and navigate...
For the last 30 years or so, the retirement industry at large has done a good job at hiding or complicating fees so that only the savviest of investors have a chance at finding them. In recent years, government regulations have been approved in an attempt to bring...