ReDB®

MORE 401(K) BASHING, AND A FIX

(Reprinted from Human Resource Executive) I posted here earlier this month about a provocative Wall Street Journal piece in which the creators and early adopters of the 401(k) retirement-savings vehicle lament the revolution they started. Their point: They had no intention of watching the concept turn into the sole — and highly inadequate — savings receptacle for employees. Now, on the heels of that, benefits expert Larry Sher is taking that discussion even further, to a whole lot more wrong with the defined-contribution approach and the people who support it. Read More

How to Optimize a 401(k) Plan for Employer, Employees

(Published on CFO.com) Lately the benefits press has written an awful lot about the latest trend in employer-provided retirement benefits: making defined contribution (DC) plans look more like defined benefit (DB) plans. It's not just about making a DC plan look more like a DB plan; take a look at market-return cash balance plans and how they can solve the issues facing DB plan sponsors. Download

A Modern Defined Benefit Plan (reprinted from PLANSPONSOR)

Why a market-return cash balance plan might be the right design to improve sponsor and participant outcomes. Although defined contribution (DC) plans include many great features—including flexibility, ease of understanding and stable sponsor costs—many plan sponsors and policymakers, recognizing the shortcomings of a DC-only retirement program, have been seeking ways to reintroduce defined benefit (DB) plan features into DC plans. Download

Cash balance plans: 2015 update

Many sponsors maintain cash balance plans, either as (1) their main retirement benefits program, (2) a program for a specific group of employees, or (3) a legacy benefit for certain employees. In 2014, IRS finalized cash balance plan regulations, reflecting changes made by the Pension Protection Act of 2006 (PPA), and we now have a clear set of rules for the operation of these plans. In this article we review the evolution of the cash balance plan design and summarize where we are now. We then consider the relative merits of this design vs. a defined contribution plan. Read More

Exploring hybrid plans with Thomson Reuters' Practical Law

Hybrid plans are gaining attention as more sponsors recognize the advantage of designing DB plans that look and act like DC plans. In collaboration with October Three, Thomson Reuters’ Practical Law published a comprehensive guide to market-based hybrid plans, also known as Market Return Cash Balance plans. The article investigates the merits of these much talked about plans, to provide a thorough analysis of the facts. Download

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