Sentences with phrase «by plan sponsors»

The initial program objective has been expanded to include aspects of interest in defined contribution plans, such as participant behavior in asset allocations, contribution levels and participation, and the response to participant behavior by plan sponsors and service providers.

There are, however, assumptions imbedded in these TDF approaches that, IMHO, are not nearly as well - communicated and / or understood by plan sponsors; assumptions that are predicated on certain participant behaviors that, in the words of the GAO report, «may not match what many participants actually do.»

These regulations are intended to result in better decisions by plan sponsors and participants through completeness and greater clarity of information.

Contrast this with defined - benefit plans in which losses must be offset by their plan sponsors.

And this often involves increased risks that may not be fully understood by those plan sponsors.

4 «The Selection and Termination of Investment Management Firms by Plan Sponsors,» Amit Goyal and Sunil Wahal, Journal of Finance, vol.

The ruling and settlement appear to open the door to further legal action by plan sponsors in a similar arrangement with other providers.

While most of our competitors rely exclusively on intermediaries (advisors like yourself) for new business, Employee Fiduciary is contacted directly by plan sponsors every day looking for 401 (k) services.

Upon approval by plan sponsors, the implementation of the pharmacy benefit through RxAdvance becomes a seamless process that requires minimal manual intervention.

However... «if Amazon were successful in changing the brand pricing model to be based on «net» price versus the current gross model, we estimate a portion of rebates and other supply chain discounts currently being retained by plan sponsors, PBMs, and to a lesser degree drug distributors could pass back to consumers.»

Upon approval by the plan sponsor, RxAdvance promotes the configuration to production.

Specifically, advisors and plan sponsors should consider evaluating what changes are required to the Investment Policy Statement (IPS) whenever making changes to the nature of services or investment vehicles that will be used by a plan sponsor or offered to participants.

That said, lump sum payout offers often are attempts by the plan sponsor to reduce overall pension liability.

That's up from 6.2 % in 2010, according to an annual survey by the Plan Sponsor Council of America released in December.

We recognize plan sponsors» legitimate need for health information in certain situations while, at the same time, protecting health information from being used for employment - related functions or for other functions related to other employee benefit plans or other benefits provided by the plan sponsor.

«Health plans,» for purposes of the regulatory impact and regulatory flexibility analyses, include licensed insurance carriers who sell health products; third party administrators that will have to comply with the regulation for the benefit of the plan sponsor; and self - insured health plans that are at least partially administered by the plan sponsor.

Specifically, in order for a plan sponsor to obtain without authorization protected health information from a group health plan, health insurance issuer, or HMO, the documents under which the group health plan was established and is maintained must be amended to: (1) Describe the permitted uses and disclosures of protected health information by the plan sponsor (see above for further explanation); (2) specify that disclosure is permitted only upon receipt of a written certification that the plan documents have been amended; and (3) provide adequate firewalls.

In the final rule, we recognize plan sponsors» legitimate need for health information in certain situations while, at the same time, protecting health information from being used for employment - related functions or for other functions related to other employee benefit plans or other benefits provided by the plan sponsor.

(i) Establish the permitted and required uses and disclosures of such information by the plan sponsor, provided that such permitted and required uses and disclosures may not be inconsistent with this subpart.

For purposes of this rule, enrollment functions performed by the plan sponsor on behalf of its employees are not considered plan administration functions.

(ii) Provide that the group health plan will disclose protected health information to the plan sponsor only upon receipt of a certification by the plan sponsor that the plan documents have been amended to incorporate the following provisions and that the plan sponsor agrees to:

The following information must be determined by the plan sponsor:

Not exact matches

While most employees at least want to take full advantage of those hard - earned days off, less than half take the time to plan out their vacations each year, according to Project: Time Off, which is sponsored by the U.S. Travel Association.

Around the same time, a number of defined - benefit plans sponsored by troubled companies, including Nortel Networks, GM Canada and DaimlerChrysler, began to falter in the wake of the 2008 stock - market market meltdown and had to be restructured.

Recommended Resources: Bplans.com More than 100 free sample business plans plus articles, tips, and tools for developing your plan Hurdle: The Book on Business Planning A book by Tim Berry, which you can read online or order from Amazon.com and Palo Alto Software Out of Your Mind and Into the Marketplace Linda Pinson's business selling books and software for business planning Palo Alto Software Business planning tools and information from the maker of the Business Plan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized busineplan Hurdle: The Book on Business Planning A book by Tim Berry, which you can read online or order from Amazon.com and Palo Alto Software Out of Your Mind and Into the Marketplace Linda Pinson's business selling books and software for business planning Palo Alto Software Business planning tools and information from the maker of the Business Plan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized buPlanning A book by Tim Berry, which you can read online or order from Amazon.com and Palo Alto Software Out of Your Mind and Into the Marketplace Linda Pinson's business selling books and software for business planning Palo Alto Software Business planning tools and information from the maker of the Business Plan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized buplanning Palo Alto Software Business planning tools and information from the maker of the Business Plan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized buplanning tools and information from the maker of the Business Plan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized businePlan Pro software U.S. Small Business Administration Government - sponsored website for writing a business plan for small and mid-sized busineplan for small and mid-sized businesses

(The plans were not identified by sponsor.)

CNBC's Sharon Epperson reveals the five most widely held stocks held by companies sponsoring retirement plans.

The problem with extending CPP coverage, they say, is it will force new payroll costs on both employers and employees, even those already well covered by employer - sponsored plans and RRSPs.

Close to 30 percent of Americans don't even have a retirement account — such as an employee - sponsored 401 (k) plan or an individual retirement account, according to a recent study by Personal Capital.

Orr retreated again, building a new house — he took pains to use the same floor plan as the family's original home so as not to upset Adria — and participating in a philanthropy workshop sponsored by the Hewlett Foundation.

More than half of the non-elderly population is covered by an employer - sponsored plan, and almost 80 % of large companies are self - insured.

The plan is sponsored by Nevada.

Simply put, a 401 (k) is a retirement plan sponsored by your employer.

According to AARP, Americans are 15 times more likely to save for retirement when they can do so by payroll deduction through a 401 (k) or other employer - sponsored retirement plan.

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligatplan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligatplan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligatPlan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligatPlan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Reading more of the ICI findings, it is fairly apparent why the rule seeks to over-regulate annuity advisors who are subject to the rules - based and highly regulated suitability standard while under - regulating fee - only advisors by holding them to a subjective, principles based fiduciary standard: to pander to the employer - sponsored plan providers and keep money from rolling over.

Franklin Templeton fund assets held in multiple Employer Sponsored Retirement Plans may be combined in order to qualify for sales charge breakpoints at the plan level if the plans are sponsored by the same emplPlans may be combined in order to qualify for sales charge breakpoints at the plan level if the plans are sponsored by the same emplplans are sponsored by the same employer.

This Reinstatement Privilege does not apply to: (i) a purchase of Fund shares made through a regularly scheduled automatic investment plan such as a purchase by a regularly scheduled payroll deduction or transfer from a bank account, or (ii) a purchase of Fund shares with proceeds from the sale of Franklin Templeton fund shares that were held indirectly through a non-Franklin Templeton individual or employer sponsored IRA.

The following benefits are not subject to the HP Severance Policy, either because they have been previously earned or accrued by the employee or because they are consistent with Company Practices: (i) compensation and benefits earned, accrued, deferred or otherwise provided for employment services rendered on or prior to the date of termination of employment pursuant to bonus, retirement, deferred compensation or other benefit plans, e.g., 401 (k) plan distributions, payments pursuant to retirement plans, distributions under deferred compensation plans or payments for accrued benefits such as unused vacation days, and any amounts earned with respect to such compensation and benefits in accordance with the terms of the applicable plan; (ii) payments of prorated portions of bonuses or prorated long - term incentive payments that are consistent with Company Practices; (iii) acceleration of the vesting of stock options, stock appreciation rights, restricted stock, restricted stock units or long - term cash incentives that is consistent with Company Practices; (iv) payments or benefits required to be provided by law; and (v) benefits and perquisites provided in accordance with the terms of any benefit plan, program or arrangement sponsored by HP or its affiliates that are consistent with Company Practices.

Only 31 percent of workers who participate in an employer - sponsored retirement plan, such as a 401 (k), 403 (b) or 457, are «extremely confident» or «very confident» that they will not outlive their money — and the rest aren't so sure, according to a new survey by BlackRock.

Instead, they force sponsors to pay at least a portion of their 401 (k) admin fees from plan assets by limiting plan investment options to funds that pay them hidden 401 (k) fees like revenue sharing and / or annuity wrap fees.

The two - day event in New York City, sponsored by Time Warner, highlighted the «State of the Network,» and offered insight on exciting new initiatives planned for 2015/2016, in addition to a focus on our certified women business owners.

In addition, the 360 ° member view provided by AdvanceMobile ™ will allow plan sponsors to replace all existing member apps, for a single comprehensive and configurable platform across all membership.

529 plans are typically sponsored by states or state agencies.

By acting as a true partner to plan sponsors, we are working towards redefining the value proposition for the PBM industry.

By converting this to an «Value - Based & Outcome - Driven» model, plan sponsors could realize 10 % -15 % savings on overall specialty costs.

«Our commitment to redefining the PBM value proposition to plan sponsors has been fully embraced by SMART.

Leveraging Collaborative PBM Cloud ™, RxAdvance brings transparency to plan sponsors by seamlessly sharing the interpreted configuration.

If a plan sponsor is currently using a large PBM then, RxAdvance has found that there is an opportunity to reduce pharmacy costs by 8 % -12 % by making small changes such as promoting untapped generics and adjusting from high cost to low cost generics.

Despite this, many companies fail to offer annuity choices within their employer - sponsored plans, the 2018 Retirement Confidence Survey issued by the Employee Benefits Research Institute and Greenwald & Associates found.