Sentences with phrase «sponsors of other plans»

Recordkeeping fees for jumbo plans have declined significantly in recent years due to increased technological efficiency, competition, and increased attention to fees by sponsors of other plans such that fees that may have been reasonable at one time may have become excessive based on current market conditions.

Not exact matches

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.»

While 76 percent of full - time private - sector workers have access to an employer - sponsored retirement plan through their jobs, self - employed workers must seek other ways to begin saving.

Some plan sponsors have been sued for poorly performing portfolios, others for failing to educate participants about the risks of investing, but many observers predict a wave of legal action over the fees — high fees and hidden fees — embedded in the mutual funds that underpin so many retirement accounts.

Sun Life will also conduct periodic reviews of the growing body of clinical research supporting the use of medical cannabis for other conditions, and update its criteria if necessary, the company said in a document updating their client base of 22,300 plan sponsors.

(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.

But retirement specialists are just what broker - dealers and plan sponsors need now given the new DOL fiduciary rule and the growing number of lawsuits charging plan sponsors with excessive fees (at MIT, Yale and NYU among others) or self - dealing (Franklin Templeton, Neuberger Berman, American Century, New York Life).

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.

They're also helping advise the plan sponsor on the running of the plan,» including running quarterly meetings, discussing participation, education, plan design and fees, among other things.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

«When there's success at one of the large financial services firms or large plan sponsors, the plaintiffs» bar will utilize that settlement or judgment to obtain a very rapid resolution with others,» says Hamburger.

Charlie Shipman of Blue Keel Financial Planning said it's important that «a percentage of each paycheck — rather than a specific dollar amount — is contributed automatically to their 401k or other employer - sponsored retirement plan.»

In the context of cross-selling, the plan sponsor must not cause the plan (or its participants) to pay for investments or administrative services, if it results in free or discounted services or other personal benefits for the plan sponsors.

Long known as a provider of government - sponsored insurance plans, the Western New York - based Fidelis Care has expanded its presence across the state at a time when some other insurers, including some of the region's dominant nonprofits, are retreating on managed Medicaid coverage.

Other bills she sponsored include A Bill for an Act to Prevent Discrimination against Graduates and Staff of Polytechnics; A Bill for an Act to provide for the establishment of the National Institute for Educational Planning and Administration (NIEPA) Nigeria and for matters connected thereto; and A Bill for an Act to provide for the Establishment of the Federal Scholarship Commission and for matters connected thereto, she carried out or attracted numerous projects to her constituency, state and geo - political zone.

Hevesi's plan, which is being sponsored in the Senate by Independent Democratic Conference Leader Jeffrey Klein (D - Bronx) and was first reported in September by the Daily News, has previously been backed by anti-homeless advocates, 111 state Assembly members from both parties, and a range of other public officials.

Half of academies sponsored by grammar schools are rated as requiring improvement or inadequate, casting doubt on the effectiveness of government plans to get more selective schools running other nearby schools.

In fact, by law, Roth IRAs and IRAs of any description can invest in many other things, but 401 (k) s and 403 (b) s and similar employer - sponsored plans are only allowed to invest in mutual funds, because their diversification and professional management keep risk to prospective retirees like us to a minimum.

However, with the ongoing shift from the defined - benefit to defined - contribution plans, careful (and individualized) planning of retirement asset allocation in employer - sponsored plans and IRAs as well as other personal investments is evermore important.

One of the savings plans is a state - sponsored account, the other is a special account sponsored by a bank or other financial institution.

You can compare fees on the investment options in your 401 (k)(and get info on administrative and other plan fees) by checking out the annual disclosure the Department of Labor requires plan sponsors provide plan participants.

Since 401K / 403 (b) / employee sponsored plans are predetermined for employees, you don't have any say on the quality of these funds or their other characteristics such as the types of fees they carry, the turnover they have, their size and so forth.

Sean Sirois, Head of Business Development, Quebec and Eastern Canada In this role, Mr. Sirois is responsible for marketing investment solutions to consultants, defined benefit pension plan sponsors, and other institutional investors.

It's not clear if OP means «simple» as the ordinary English word for uncomplicated and here presumably traditional IRA, or SIMPLE which is an acronym for Savings Incentive Match Plan for Employees of Small Employers, a specific employer - sponsored type of IRA (as linked in the other answer) with a higher limit as @Joe says but must come from payroll and employer directly.

If neither you nor your spouse is covered by a 401 (k) or other employer - sponsored plan, you can generally deduct the full amount of your annual contribution.

If I transfer assets out of the Plan and into an IRA I understand that: (i) those assets will no longer be subject to the protections of ERISA, (ii) I alone will be making investment decisions about those assets and will not be able to rely on the plan sponsor or any other person with ERISA fiduciary responsibilities, (iii) depending on the investments and services selected for the IRA, I may pay more in transaction costs than when the assets are in the Plan, and (iv) if I am between the age of 55 and 59.5, I would lose the ability to potentially take penalty - free withdrawals from the plan, (v) if I continue working past age 70.5 and transferred my plan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiPlan and into an IRA I understand that: (i) those assets will no longer be subject to the protections of ERISA, (ii) I alone will be making investment decisions about those assets and will not be able to rely on the plan sponsor or any other person with ERISA fiduciary responsibilities, (iii) depending on the investments and services selected for the IRA, I may pay more in transaction costs than when the assets are in the Plan, and (iv) if I am between the age of 55 and 59.5, I would lose the ability to potentially take penalty - free withdrawals from the plan, (v) if I continue working past age 70.5 and transferred my plan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiplan sponsor or any other person with ERISA fiduciary responsibilities, (iii) depending on the investments and services selected for the IRA, I may pay more in transaction costs than when the assets are in the Plan, and (iv) if I am between the age of 55 and 59.5, I would lose the ability to potentially take penalty - free withdrawals from the plan, (v) if I continue working past age 70.5 and transferred my plan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiPlan, and (iv) if I am between the age of 55 and 59.5, I would lose the ability to potentially take penalty - free withdrawals from the plan, (v) if I continue working past age 70.5 and transferred my plan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiplan, (v) if I continue working past age 70.5 and transferred my plan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiplan assets to my new employer's plan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciatiplan, I would not be subject to required minimum distribution, and (iv) if I hold appreciated company stock, I understand any potential tax benefits that may have been available to me (e.g. net unrealized appreciation).

Having failed to get the conservator of the other two government - sponsored housing agencies to go along with a similar plan, the president has turned to the one agency he has direct control over.

Many private businesses have shifted from offering defined - benefit pension plans to other forms of employer - sponsored plans, such as defined - contribution plans, but some still do offer defined - benefit plans to employees.

The rules for IRAs, and whether your contributions are tax deductible, vary according to income levels and other factors, such as the type of IRA and whether you participate in an employer - sponsored retirement plan.

Filed Under: Daily Investing Tip Tagged With: 401k, employer sponsored retirement plan, retirement plan, tax deferred retirement plans Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, or other advertiser and have not been reviewed, approved or otherwise endorsed by any of these entities.

ERRP proved to be a critical source of support by benefiting early retirees, their family members, other plan participants, and the health plan sponsors that provided vital access to health coverage.

A lot of people have looked at this and there's nothing in the Affordable Care Act that would impact an employer - sponsored plan, other than making sure that the employer - sponsored plan is actually providing a certain basic level of coverage.

The ERRP was designed to help employers and other sponsors of employment - based health plans continue to provide coverage for early retirees until 2014, the initial year under the ACA in which insurance companies may no longer deny coverage based on pre-existing conditions, or charge more based on an individual's health status.

In addition to hardship distributions, individuals can take other types of in - service withdrawals from their employer - sponsored retirement plans while still employed with the company sponsoring the plan, and before breaching a triggering event.

A Chapter 13 bankruptcy is a government - sponsored debt consolidation plan: this means that all of your unsecured debts (credit cards, medical bills, retail accounts, and other debts that are not secured by collateral) are combined into one debt amount.

They are designed to make it easier for plan sponsors to comply with new Department of Labor (DOL) fee disclosure regulations by separating mutual fund expenses from recordkeeping and other service - provider fees.

There's a lot to like in 401 (k) and other employer - sponsored savings plans, such as the ability to choose your own investments from a range of investment options, a chance to save pre-tax dollars, an easy way to save for retirement, and the possibility of «free money» from an employer contribution.

In most cases, PBGC asserts a claim against the plan sponsor and other liable entities for these funds on behalf of the plan.

We organize and present specialty shows in different parts of the country; plan educational programs for breeders, judges and other fanciers; sponsor research on genetic and other health problems; distribute breed information to newcomers to IG's and to those who want to know about our dogs; maintain a breed rescue organization and attempt to establish a network of ethical, responsible breeders to whom inquiries can be referred.

McCain Takes a Look at the Chevy Volt Fresh off his proposal for a $ 300 million government - sponsored prize for the development of better battery technology, presidential candidate John McCain, along with «GM Chief Executive Rick Wagoner and other company executives... examined and got into a model of a Chevrolet Volt, a plug - in hybrid - electric car GM says it plans to have on the market by 2010.»

Our litigators represent ESOP trustees and plan sponsors in lawsuits for breach of fiduciary duty or other violations of ERISA.

Under this approach, only the component of an employer or other plan sponsor would be treated as a covered entity.

Most operations of the group health plan are contracted out to other entities or are carried out by employees of the employer who sponsors the plan.

On the other hand, plan sponsors may need access to protected health information to carry out administration functions on behalf of the plan, but under circumstances in which securing individual consent is impractical.

However, they are not permitted to use or disclose protected health information for employment - related purposes or in connection with any other employee benefit plan or employee benefit of the plan sponsor.

Consequently, once protected health information leaves the purview of one of these covered entities, their business associates, or other related entities (such as plan sponsors), the information is no longer afforded protection under this rule.

(4) A group health plan and one or more other group health plans each of which are maintained by the same plan sponsor; or

The component of the plan sponsor would have been able to use protected health information for treatment, payment, and health care operations, but not for other purposes, such as discipline, hiring and firing, placement and promotions.

However, employers and other plan sponsors — particularly those sponsors with self - insured group health plans — may perform certain functions that are integrally related to or similar to the functions of group health plans and, in carrying out these functions, often require access to individual health information held by the group health plan.

This provision is not intended to permit covered entities to circumvent other provisions in this rule, including requirements relating to disclosures of protected health information to plan sponsors or the requirements relating to research.