The following are current and back issues of the Retirement LLC Benefit Insights newsletter. These are a non-technical review of qualified retirement plan legislative and administrative issues.

November 2018 - Changes to hardship distributions and new limits for 2019

2019 Limits

Every year the Cost-of-Living Adjustments (COLAs) are release by the Internal Revenue Service.  The benefit increases counteract the effects of inflation and keep up with the '"cost of living".  This issue contains the limits for 2019.
Learn More – View PDF ►

Hardships get a little easier

The bipartisan budget act of 2018 was passed by congress and signed into law.  While the law made several changes that impact retirement plans, one provsion changing the rules around hardship distributions is particulary notable.
As a result of the act, changes to the hardship distribution rules for 401(k) plans will take effect for the 2019 plan year (e.g., as of January 1, 2019, for calendar year plans). There are three primary changes to the current hardship distribution rules.   
Learn More – View PDF ►

Topic Archive - Click Topic To View Document

The Retirement Income Gap and Helpful Hints for Plan Sponsors

Who is an employee & HSA compared to 401k plans

Navigating Distributions & New Tax Law Changes

Year-end checklist of tasks

Update on the New Fiduciary Rules

What makes a healthy and successful plan?  Plus, we take a closer look at participant loans.

Benefit Communications in an Electronic World

Dealing with Uncashed Distribution Checks and Missing Participants

Rules and Taxation of 401(k) Plan Distributions & 2017 Plan Limits

Plan Loan Rules

New Fiduciary Rule

Dealing with Forfeitures

A Fresh Look at Your Form 5500 Filing

Part-Time Employees in 401(k) Plans

Determining Retirement Plan Compensation

Plan Fiduciary Responcibilities

Automatic Enrollment

Deferral Timing Requirments

Year-End Compliance Testing Overview

Hardship Distributions

Ultimate Plan Sponsor Checklist

Peter S.

"You are the best TPA I have ever worked with"

Peter S.
Financial Advisor