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Category: Retirement Plans
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When Does a Participant Loan Become a Deemed Distribution?

A recent IRS Issue Snapshot affirms a retirement plan participant loan is a legally enforceable agreement and terms of the loan agreement must comply with Internal Revenue Code (IRC Section 72(p)(2) and Treasury Regulation Section 1.72(p)-1). The terms of the loan agreement must be explicit in writing or deliverable electronically, and a loan in default is considered to be a deemed distribution. Learn more.

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DOL Cybersecurity Tips

In April 2021, the Department of Labor issued its first guidance on cybersecurity for plan sponsors, service providers, and participants. It did so at the behest of the Government Office of Accountability (GAO). That agency has been pushing the Department to identify minimum standards for mitigating cybersecurity risks in benefit plans. Learn more about the minimum standards for plan fiduciaries and service providers in mitigating cyber threats.

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Beneficiary of Unintended Consequences

Here we discuss the need for up-to-date beneficiary designations. As a fiduciary best practice, we encourage beneficiary designations to be captured electronically. Learn more.

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New Department of Labor Regulations Will Greenlight the Use of ESG Funds in Retirement Plans

In August 2021, the Department of Labor submitted new proposed ESG rules to the White House's Office of Management and Budget — the last step before publishing regulations. The proposed rules should be published before the end of this year. Learn more.

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Qualified Versus Nonqualified Plans

We know a strong retirement savings strategy is critical for all working Americans. But why are there two classes of retirement plans and how are they different? Learn more.

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Retirement Plan Committee Activities

What is the role of a retirement plan committee and why is it so important to your company's fiduciary duties to plan participants?

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Bitcoin: Coming to a 401(k) Plan Near You?

Greater media attention has caused Bitcoin interest to surge. However, the prudence in adding Bitcoin to a retirement plan is questionable, at best. Learn more.

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Common Fiduciary Errors to Avoid

An ounce of prevention is worth a pound of cure. This saying is universal, and certainly applies to fiduciary responsibility. Learn more.

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Retirement Plan Committee Activities

What are the activities and the role of a retirement plan committee? Learn more about ERISA requirements.

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