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Roth 401(k)

August 2, 2011 By Mark Schulte Leave a Comment

Solutions to Prevent Automatic Enrollment Inertia

There’s been a lot of discussion recently about whether the automatic enrollment feature in many 401(k) plans actually leads to lower overall retirement savings rates. This blog post gives a brief overview of the issue and proposes a couple of solutions to combat automatic enrollment inertia and …

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March 31, 2011 By Mark Schulte 1 Comment

Strategic 401(k) Design: Preventing ADP Failures

If your 401(k) plan is failing the Actual Deferral Percentage (ADP) test, then it’s time to consider some plan design changes. You need to figure out a way to encourage non-highly compensated employees (NHCEs) to save more retirement money in their 401(k) accounts while keeping benefit costs under …

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September 28, 2010 By Mark Schulte Leave a Comment

Roth 401(k) Rollover Bill Update

The Small Business Jobs Act of 2010 (H.R. 5297) passed the Senate last week and is expected to be signed into law by the President. As we mentioned in a previous post, there are a couple of retirement plan changes included in this bill. They include: - Add a Roth option for 457(b) plans. This puts …

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