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Q2 2018 - Upcoming Compliance Deadlines and Important Dates

 May 3 2018
Early May – Schedule an auditor if plan requires an annual audit. May 15 – Deadline for providing First Quarter individual benefit statements to participants in participant-directed plans. The quarterly fee disclosure due under the participant fee disclosure rule is also due on this date and can be included in the statement. June 30 – Deadline for processing corrective...

Investments: Q1 2018 in Review

 May 3 2018
Q1 2018 in Review - Market Summary through March 31, 2018  U.S. Equity (S&P500): -0.76% YTD as of March 31, 2018 International Equity (MSCI EAFE): -1.41 % YTD as of March 31, 2018 U.S. Fixed Income (BC Aggregate): -1.46% YTD as of March 31, 2018 Stock markets soared in January up more than 6% before giving up all gains and finished the quarter ...

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...
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