Plan Health

Plan Health includes the very important topics associated with whether participants within a DC plan are on track to achieve their goals, whether by age band or salary. In addition to measurement, this topic covers practical ways that advisors, providers and plan sponsors can improve participant outcomes, featuring real life examples. Working together, these parties act as the figurative “doctor,” “hospital” and “pharmaceutical company” to help the “patient” not just get to retirement — but to thrive.

By Mike Bushnell4/23/2015 • 0 Comments

Taking a risk is supposed to be a good thing in business. But many plan sponsors would rather say “if it ain’t broke, don’t fix it,” than make an effort to improve their retirement plan’s design. READ MORE

By Nevin Adams4/8/2015 • 0 Comments

While industry pundits (and many advisors) continue to tout the prudence, if not necessity, of retirement plan lifetime income options, current trends don’t appear favorable, according to John Haley, Chief Executive Officer at Towers Watson. READ MORE

By Mike Bushnell3/12/2015 • 0 Comments

Just 2% of all gainfully employed respondents in a recent survey said they would cash out their DC plan’s balance if they switched jobs, but in reality, 45% of all transitioning workers do so. In the Winter issue of NAPA Net the Magazine, Warren Cormier examines why so many people take the money and run. READ MORE

By Fred Barstein1/28/2015 • 0 Comments

Despite double digit returns for equities last year, the cost of retirement income for 55-year-olds rose dramatically, according to BlackRock’s CoRI indexes. READ MORE

By NAPA Net Staff12/30/2014 • 0 Comments

Milliman has compiled a list of 10 ideas plan sponsors can adopt in order to improve their retirement plans — and perhaps make it a bit easier on their plan advisors as well.


By NAPA Net Staff10/3/2014 • 1 Comments

A new survey indicates that a growing number of plan sponsors are at least thinking about more customized investment options for their DC plan menus.


By NAPA Net Staff10/1/2014 • 1 Comments

A new survey indicates that a growing number of plan sponsors are at least thinking about more customized investment options for their DC plan menus.


By NAPA Net Staff9/10/2014 • 0 Comments

A new analysis explains that, while each situation is unique, most employers tend to take one of three broad approaches in moving to a DC-only environment. The report can serve as a roadmap for advisors looking to help with that transition.  


By Nevin Adams9/3/2014 • 0 Comments

Earlier this summer the Treasury Department issued new regulations encouraging longevity insurance within DC plans and IRAs — but will that make a difference?  

By Fred Barstein9/2/2014 • 0 Comments

Many people are gambling with their retirement, not saving enough and hoping that things will work out. But some credit unions and nonprofits are taking a different approach to induce savings: lottery tickets. 

By John Iekel8/28/2014 • 0 Comments

Eastman Kodak, one of New York State’s major employers, has changed its retirement plan in a rather unorthodox way. Kodak still offers both a defined contribution plan and a defined benefit plan, but has enhanced its DB plan while making its DC plan less attractive, Business Insurance reports.

By NAPA Net Staff8/7/2014 • 0 Comments

Maryland Gov. Martin O’Malley (D) has named the members of a panel charged with finding “…ways to better secure retirement savings for private-sector employees in Maryland.” Established by executive order in May and chaired by former Lt. Gov. Kathleen Kennedy Townsend (D), the task force brings together representatives from key sectors across the state to find ways to better secure retirement savings for private-sector employees in Maryland. READ MORE

By Nevin Adams8/6/2014 • 0 Comments

Individual retirement accounts (IRAs) currently represent about a quarter of the nation’s retirement assets; and yet, despite an ongoing focus on the accumulations in defined benefit (pension) and 401(k) plans that have, via rollovers, fueled a significant amount of this growth, a detailed understanding as to how these funds are actually used during retirement has, to date, not been as well understood.


By John Adams8/5/2014 • 0 Comments

Lincoln Financial Group’s Retirement Plan Services business has promoted Jason Key to head of business development for its Institutional Retirement Distribution team. Previously Lincoln’s business development director for the South and Midwest regions, Key assumed his current position on an interim basis last month. READ MORE

By John Ortman8/4/2014 • 0 Comments

So this year’s estimate of when the Old Age, Survivors and Disability Insurance (OASDI) trust fund will run out of money is 2033, the Social Security trustees reported July 28 — roughly the same as last year’s estimate. There’s just one problem: There is no such thing as an OASDI trust fund. READ MORE

By John Iekel7/24/2014 • 0 Comments

It’s easy for inertia to take over when financial decisions have to be made, especially when it comes to investment choices in a 401(k) plan. In “Using Re-enrollment to Improve Participant Investing and Provide Fiduciary Protections,” a white paper prepared for JP Morgan Chase & Co., Fred Reish and Bruce Ashton discuss one solution — re-enrollment, or requiring participants to re-invest in the plan by making new decisions about how the funds in their retirement accounts are invested. READ MORE

By John Iekel7/24/2014 • 0 Comments

Expenses charged to 401(k) plan participants declined in 2013, says a new study from the Investment Company Institute (ICI). In “The Economics of Providing 401(k) Plans: Services, Fees and Expenses, 2013,” the ICI reports that last year, participants spent less when they invested in equity, hybrid and bond funds.  READ MORE

By Jerry Bramlett7/23/2014 • 0 Comments

In 2009, in the aftermath of the Great Recession, Bill Gross coined the term, “new normal.” Gross is once again defining the future markets in a simple thematic phrase. His new phrase, “new neutral,” represents a view that the Fed will keep rates close to zero (on a real basis) for at least the next three to five years, if not longer.

By Fred Barstein7/22/2014 • 0 Comments

In what has been a groundbreaking case study for state and municipal pension plans, Detroit retirees agreed to a 4.5% cut in benefits and no cost of living increases. If the former municipal workers had not done so, they could have faced larger cuts and the city might have lost hundreds of millions of dollars of funding from foundations and the state. Firefighters and police were spared cuts, although they will get lower cost of living increases.

By John Ortman7/18/2014 • 0 Comments

Sometimes the simplest advice is the best advice — it just needs to be communicated clearly and internalized fully by participants, not just go in one ear and out the other. In a two-part series on, Buckingham Asset Management’s Tim Maurer provides a perfect example of this. READ MORE

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