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Do You Know Your Fiduciary Responsibilities?

 April 19 2018
Legal action can be brought against plan sponsors and other fiduciaries by the Department of Labor, plan administrators and plan participants (and their beneficiaries) should they breach their ERISA fiduciary duties. It is imperative that fiduciaries understand their responsibilities and how to fulfill them.  Thompson Coburn, LLC breaks down the ten key topics in training a fiduciary in this...

Spring 2018 Investor Letter.

 April 12 2018
HORAN Capital Advisors has published its Spring 2018 Investor Letter. Warren Buffet once stated, "The stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient."  The first quarter of 2018 certainly tested the patience of many investors as the daily market swings were much more profound than anything felt in more recent years. But, were those...

Are Gen Xers prepared for retirement?

 April 11 2018
While the oldest members of Gen X are about ten years away from retirement, 66% of them say that they have never calculated how much money they need to have saved. In a related article, 69% of Gen Xers report that they receive their retirement planning advice through their employer.     Gen X Needs Retirement Planning Help Gen X Says Advice Would Be Helpful for Retirement Savings ...

Retirement Plans After Tax Reform

 March 28 2018
The Tax Cuts and Jobs Act, passed in December, 2017, created a lot of noise and discussion about corporate tax cuts and deductions and rate changes for individuals. There was not a lot of buzz about the changes that the Act made to retirement plans – and rightfully so, as there were so few.  This Retirement Times blog post recaps the Act’s effect on retirement plans.  Click ...

401(k) Nondiscrimination Tests Explained

 March 9 2018
The deadline for processing corrective distributions for failed ADP and ACP tests is right around the corner. While testing is likely performed by a plan’s recordkeeper or TPA, plan sponsors should be well-versed in the basics of nondiscrimination testing. Read on for a basic primer.   Click here to read more about the types of contributions that are tested, the methods used and t...

ERISA Litigation - Are You Being Targeted?

 March 2 2018
Any size retirement plan can run into serious trouble when sponsors aren’t careful. With some planning, your qualified retirement plan doesn’t have to be the target of ERISA litigation. A listing of the most common red flags leading to litigation might be helpful. Read the entire article from our friends at VonLehman & Company here.

Auto Enrollment Features Raise Deferral Rates

 February 16 2018
More plans are offering automatic enrollment according to an annual plan sponsor survey. The Plan Sponsor Council of America reported that 59.7% of plans offered auto enrollment in 2016.  The study also shows over half of plans are setting their initial deferral rates to higher than 3%. Click here to read more about the results. Your HORAN Retirement Advisors team will help you determine th...

Help Employees Build Confidence to Make Smart Financial Decisions

 February 8 2018
Continual reminders of financial topics and resources can help your employees build confidence when making financial decisions.  BenefitsPro suggest three simple ways to approach your employees. Click here to read the article.  Your HORAN Retirement Advisors team can help educate you and your employees to create more productive and abundant futures through financial wellness. Contact u...

EBSA Restores Over $1.1 Billion to Employee Benefit Plans, Participants and Beneficiaries

 February 2 2018
The Employee Benefit Security Administration (EBSA) – which is part of the Department of Labor – has just released facts and figures for their fiscal year ending September 30, 2017. The amount of monies recovered on behalf of plans, participants, and beneficiaries increased substantially over the previous fiscal year.  Click here to read the three-page summary of the department&r...

Benchmarking Is Key For Employers

 January 22 2018
Benchmarking – both internal and external – can help plan sponsors ensure the health of their retirement plan. The Retirement Times suggests strategies and areas of focus for benchmarking. Click here to read more. Contact HORAN Retirement Advisors today to help benchmark your plan. Call 513.745.0707 with any questions you may have.
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