Preparing for the Season Ahead
We’re pleased to share our latest newsletter, featuring important updates that may impact your retirement plan. This issue highlights upcoming regulatory requirements, key compliance considerations, operational enhancements and new tools designed to help streamline plan administration.
You’ll also find information on recent industry developments and best practices to help you plan ahead and stay informed. Our goal is to provide useful guidance so you can manage your plan with confidence.
If you have any questions or would like to discuss how these updates apply to your plan, please reach out to your dedicated Client Services Manager, who is here to support you every step of the way.
Important Updates
Changes to Our Payroll Auto ACH Process
As of March 23, 2026, we have implemented updates to our Auto ACH processing for 401(k) plan contributions and loan repayments. These changes are designed to streamline your experience, improve funding timeliness and reduce complexity in how payroll contributions are debited. Review details about the updates so you and your team are prepared.
403(b) Cycle 2 Plan Restatement
Restatements are a required compliance step for all employers that sponsor a 403(b) plan. Start preparing now for your 403(b) Cycle 2 restatement, which must be completed and signed by Dec. 31, 2026.
The SECURE Act Plan Amendment will be added to plans during 2026. This plan amendment must be signed and completed no later than Dec. 31, 2026.
Compliance Considerations
My 401(k) Plan Failed the ADP/ACP Test—What Can I Do?
Wondering what to do when your 401(k) plan fails the ADP/ACP nondiscrimination tests? Learn how to fix it and prevent future issues.
Plan Management
Get the Most from Your Contribution File
It’s best practice to include all employee census data—dates of birth, hire, termination, rehire and emails—for every employee each pay period—in your contribution file. Learn more about how to make this part of your process to help ensure you keep accurate records for a smooth compliance process.
Take Control of Your Plan Fees—On Your Terms
Managing your retirement plan shouldn’t mean wrestling with administrative complexity. Simplify payments with Auto Pay.