Ask the Experts

Ask the Experts | June 12th, 2012

(b)lines Ask the Experts – Moving from 403(b) to 401(k)

June 12, 2012 (PLANSPONSOR (b)lines) – At the recently completed 2012 PLANSPONSOR National Conference, David Powell of Groom Law Group and Michael Webb of Cammack LaRhette Consulting conducted...

Ask the Experts | June 5th, 2012

(b)lines Ask the Experts – Non-Electing Church Plans and Nondiscrimination Testing

June 5, 2012 (PLANSPONSOR (b)lines) – “Does a non-electing church plan that is a 401(k) plan have to comply with the ADP and ACP nondiscrimination tests? I read...

Ask the Experts | June 1st, 2012

(b)lines Ask the Experts – No Safe Harbor If 401(a) Match Tied to 403(b)

June 1, 2012 (PLANSPONSOR (b)lines) – “A private (non-church/government) tax-exempt organization sponsors a 401(a) plan that provides for matching contributions made in proportion to salary deferral contributions made...

Ask the Experts | May 22nd, 2012

(b)lines Ask the Experts – Participant Disclosure for Provider’s Entire Platform

May 22, 2012 (PLANSPONSOR (b)lines) – “I am a 403(b) plan sponsor with three active investment providers.

Ask the Experts | May 15th, 2012

(b)lines Ask the Experts – Rollovers from 403(b)s to IRAs

May 15, 2012 (PLANSPONSOR (b)lines) – “IRC Section 72(t)(9) provides that a distribution from a governmental 457(b) plan is subject to the 10% premature distribution income tax penalty...

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Ask the Experts | May 8th, 2012

(b)lines Ask the Experts – Advantages of Different Plan Choices

May 8, 2012 (PLANSPONSOR (b)lines) – “What are some advantages of a 403(b) tax-sheltered annuity versus just a 403(b)7 versus a Roth IRA?”

Ask the Experts | May 1st, 2012

(b)lines Ask the Experts – Plan Documents Not Amended for All Legislation

May 1, 2012 (PLANSPONSOR (b)lines) – “An ERISA 403(b) plan sponsor adopted a plan document back in 1997, but never amended the document to reflect legally required provisions...

Ask the Experts | April 24th, 2012

(b)lines Ask the Experts – How to Provide a Clergy Housing Allowance

April 24, 2012 (PLANSPONSOR (b)lines) – “I have a church plan client that wants to provide a housing allowance for their pastor in retirement through their 403(b) retirement...

Ask the Experts | April 17th, 2012

(b)lines Ask the Experts – Getting Rid of Old Plan Documentation

April 17, 2012 (PLANSPONSOR (b)lines) – “We are performing some spring cleaning here at the employee benefits office, and we noticed that we have TON of records related...

Ask the Experts | April 3rd, 2012

(b)lines Ask the Experts – 403(b) Contributions and Tax Reporting

April 3, 2012 (PLANSPONSOR (b)lines) – “I am a fairly new employee at a nonprofit hospital, who made elective deferrals to a 403(b) plan for the very first...

Ask the Experts | March 27th, 2012

(b)lines Ask the Experts – Universal Availability Exclusion

March 27, 2012 (PLANSPONSOR (b)lines) – “Though I have discussed the administrative burden of utilizing such an approach, some of my 403(b) plan sponsor clients wish to exclude...

Ask the Experts | March 20th, 2012

(b)lines Ask the Experts – Lifetime Income Options for 403(b) Plans

March 20, 2012 (PLANSPONSOR (b)lines) – “I read last week's Q&A regarding age 70 1/2 required minimum distributions (RMDs) and was wondering, with all the talk about the...

Ask the Experts | March 13th, 2012

(b)lines Ask the Experts – RMDs for Rolled Over Balances

March 13, 2012 (PLANSPONSOR (b)lines) – “I was reading your recent Q&A regarding the hire that was over age 70 ½ years of age which stated that the...

Ask the Experts | March 6th, 2012

(b)lines Ask the Experts – Age Restriction for Plan Eligibility

March 6, 2012 (PLANSPONSOR (b)lines) – “I was recently hired by the benefits department of a private university, and was surprised to see that employees are not eligible...

Ask the Experts | February 28th, 2012

(b)lines Ask the Experts – Hiring Someone Older than 70 ½

February 28, 2012 (PLANSPONSOR (b)lines) – “A trend at the museum at which I work is to hire individuals who have retired from other fields. Often these individuals...

Ask the Experts | February 14th, 2012

(b)lines Ask the Experts – Automatic Cashout of Less than $5000 Balances

February 14, 2012 (PLANSPONSOR (b)lines) – “Our ERISA 403(b) multiple-vendor plan does not currently have a automatic cashout provision, and I would like to amend our document to...

Ask the Experts | February 7th, 2012

(b)lines Ask the Experts – Fee Disclosure and Legacy Vendor Contracts

February 7, 2012 (PLANSPONSOR (b)lines) – “As an ERISA 403(b) plan sponsor, I was pleased to see that, in addition to delayed effective dates for vendor and participant...

Ask the Experts | January 31st, 2012

(b)lines Ask the Experts – Prudently Monitoring Legacy Vendor Contracts

January 31, 2012 (PLANSPONSOR (b)lines) – “When I took over the benefits function at our company a year ago, I found a 403(b) provider arrangement that we had...

Ask the Experts | January 24th, 2012

(b)lines Ask the Experts – Missed Age 70 ½ Distributions

January 24, 2012 (PLANSPONSOR (b)lines) – “I received reports from our plan vendor that appear to indicate several of our 403(b) plan participants who have turned age 70...

Ask the Experts | January 17th, 2012

(b)lines Ask the Experts – The Effect of Lacking Guidance About Fee Disclosure

January 17, 2012 (PLANSPONSOR (b)lines) – “I hear that my 403(b) vendor is supposed to provide me with a new fee disclosure document (or fee addendum) by April...

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