401(k) Resources for Plan Providers and Participants

Do your current 401(k) resource providers tell you what you want to hear? 

Or do they tell you what you NEED to know?

Plan Sponsor Headwinds

• Fiduciary Risks and Costs

   

  •  "Meeting Your Fiduciary Responsibilities" - U.S. Department of Labor

  • "Best practices for preventing 401(k) plan lawsuits" - Employee Benefit News

  • "Liability of Plan Fiduciaries under ERISA:LaRue v. DeWolff, Boberg & Associates" 

     

     

• Fee Disclosure Regulation and Issues

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• Plan Innefficiencies - Lack of Periodic Benchmark Measurement of Overall Plan Performance Against Peer Plan Averages

• Impact of Market Volatility on Employee Productivity

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Participant Headwinds

• Total Fees and Costs under 401K Platforms

• Lack Of / Restricted Choices in 401K Plans

• Lack of Professional Guidance and Assistance

• Ignorance or misunderstanding of Net Unrealized Appreciation (NUA) issues of company stock with a 401K plan

• Static Management

• Procrastination

• No Primary Objective

Available 401k Resourcesn 

• HealthyPortfolio.com - an online educational resource that allows plan participants to track the health of their individual mutual funds and their companies 401(k) choices by comparing "buy, hold and pray" against the use of a proprietary "bull/bear" signal available exclusively to HealthyPortfolio.com members.

• IFSG University Resources - access to private (client and member only) educational resources across the entire financial spectrum, provided through a micro-site developed for your company.

• 401K Analytics - a "peer review" benchmarking tool, providing plan sponsors with a measurement of their plan efficiency, based on a variety of metrics and common cost components of 401(k) plans.

• Fiduciary Outsourcing - turning the most potentially problematic area of risk over to a third party team of experts.

• NUA (Net Unrealized Appreciation) Resources - Find out the right - and the wrong - ways to deal with significant positions of employer stock within a 401K plan.  The choice is yours - liquidate within the 401K (or subsequent Rollover IRA) and subject all gains to ordinary income tax, or use NUA strategies to bring the stock out of the plan at acquisition basis, in order to take advantage of Long Term Capital Gains treatment and estate planning flexibility following the NUA distribution.