Category: Plan Consulting

Every plan with more than 100 eligible employees is required to file an ERISA Audit when filing their 5500 with IRS. Reexamine the ERISA audit so you know what it is and if applicable be better prepared.

Secure Act 2.0 is coming as part of the Infrastructure Bill of 2021. This article highlights a few proposed changes including Roth IRA, an increase in RMD and more. The Secure Act 2.0 builds on the Setting Every Community Up for Retirement Enhancement Act of 2019. Included in the bill are dozens of provisions aimed at boosting retirement security.

If it walks like a mutual fund and talks like a mutual fund, why should I consider CIT’s for my company’s retirement plan menu of investment options? Solid question. In this article we examine the similarities as well as points of distinction that a plan sponsor may consider when choosing between a Collective Investment Trust (CIT) and a mutual fund.

Each year 401(k) plans are required to perform compliance testing to demonstrate that 401(k) plans do not discriminate in favor of highly compensated employees and that contributions do not exceed […]

The concept of a ROTH 401(k) has been around now for almost 15 years. And while over 75% of plans adopted the ROTH 401(k) provisions, participants have been slow to […]

In a year filled with uncertainty, moving your orphaned retirement savings to your current employer’s plan keeps your accounts in one place and makes it easy to manage it more […]

Media Alert Thank you, on behalf of all of us at RSG. We are honored to receive this designation. (View a message from Steve Scott.) RSG Advisory is pleased to […]

Behavioral finance is an area of study focused on how psychological influences can affect market outcomes. The retirement plan industry has really delved into this field because it helps advisors […]

The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, was set in place in December 2019, as part of a larger government […]

Defined Benefit plans have been around forever but have been dying off since the 1990s. In recent years however, we have seen a notable uptick in both traditional DB and Cash […]