Retirement benefits

Commentary: The kind of intense research that goes into, say, a television purchase is missing from a major market—and retirement advisers should take notice of this opportunity.

The embattled California city has negotiated a deal to exit bankruptcy without neglecting its obligations to the state's public employee retirement system, avoiding a $1.6 billion termination fee.

As more and more employers analyze their ever-growing pension obligations, Boeing and Hartford Financial Services Group are the latest companies to use the lump-sum payment tactic to limit their liabilities.

Benefit brokers say employers are more and more looking toward financial wellness programs to assist employees saddled with increased health care costs.

The number of employees participating in employer-based retirement plans increased in 2013 for the first time in several years, pointing to a national economy slowly mending itself and an increasing employment rate in the aftermath of the recession, the Employee Benefit Research Institute says.

A passive portfolio management approach is appropriate for many 401(k) plan participants and individual investors. But indexing isn’t right for everyone.

Four decades after its introduction, the Employee Retirement Income Security Act has done much to help American workers create a small sense of financial security as they ponder their post-working years.

Alongside the IRS’ announcement last week to increase contribution caps to 401(k) plans, the Department of Labor issued guidance that will ease plan sponsors’ abilities to offer annuities as part of their retirement plans.

Commentary: Columnist John Ludwig asks, with all the effort put into fee disclosures and the money to produce them; does it really help the participant in the end?

Thanks to new cost-of-living adjustments, the Internal Revenue Service is allowing the American workforce to save a bit more in their retirement plans next year.

Earlier this year, the Employee Benefits Security Administration at the U.S. Department of Labor, outlined initiatives to educate and protect 401(k) plan participants. Along with those initiatives comes an increased risk of a DOL audit for companies that don’t take the necessary steps to ensure their benefit plans are compliant and being properly administered for their employees.

Volatility has returned to the equity markets with a vengeance. The Dow Jones Industrial Average has fluctuated by hundreds of points on many recent trading days. During these times your 401(k) plan participants can become very nervous.

With companies granting over $110 billion in equity each year to employees, the stakes are very high for employers to demonstrate a strong return on investment from their equity compensation plans. And yet, there appears to be a disconnect in how these companies and their employees perceive equity awards.

What's keeping female employees from getting more deeply involved in their own retirement savings? Better plan design and more personalized communications can help offset women's reluctance - or perceived financial inability - to help make savings plans.

A third of Americans have no retirement savings and those who do aren’t saving enough — automatic escalation can help.

The Pension Protection Act of 2006 has helped to reduce costs and limit liabilities for multiemployer plans. But the landmark legislation will sunset at the end of the year, which has many stakeholders and consultants predicting future retirement uncertainty for the more than 10 million participants in multiemployer plans across the nation.

A couple weeks into the post-Bill Gross PIMCO era, plan sponsors may be interested in learning what other plan sponsors are doing with their PIMCO funds in their retirement plans.

The quality of Form 5500 reporting depends entirely on whether benefit managers and plan fiduciaries select qualified auditors and service providers, says Ian Dingwall, chief accountant for the DOL's Employee Benefits Security Administration, speaking this week during the International Foundation for Employee Benefit Plans' annual conference in Boston.

As Congress continues to explore ways of making our retirement savings system stronger, legislators should consider requiring 401(k) plans to automatically enroll workers, eliminating participant loan features and allowing unlimited Roth 401(k) contributions.

The United States Supreme Court has agreed to hear Tibble v. Edison International, a case in which the plaintiffs contend their ERISA plan fiduciaries breached their duty of prudence by offering higher-cost retail-class mutual funds to 401(k) plan participants, even though identical lower-cost institutional-class mutual funds were available.