3 realities redefining retirement savings
Saving for retirement isn’t always a straight path. Data reveals strategic ways that could help employees stay on track towards a secure retirement.
Get the researchRead more insights: The power of automated 401(K) plan features
5 min de lectura
Help boost 401(k) savings for non-desk employees
Help boost retirement savings for workers in physically demanding jobs using retirement plan automated features.
Maximizing employers’ 401(k) contributions
Have you ever considered whether the employer contributions made to your employees’ retirement plans are being used to help make the maximum impact to both the company and participants?
Why are employees not participating in their 401(k)s?
Discover three roadblocks preventing employees from participating in their retirement plans. Learn how plan design can impact participation amid changing employee demographics and new regulations.
Tailor retirement benefits to help retain specialized talent
Retaining top-tier talent in specialized roles typically requires more than standard benefits. Offering thoughtfully designed, customized retirement plan options is a way to address the unique needs of these professionals, helping ensure they feel valued and motivated to stay.
A simple test for your 401(k) plan design: Flip the numbers
When interpreting retirement plan data and statistics, a simple guideline is to flip the numbers to see the full story. This simple test can help employers and financial professionals better understand if plan design changes might be needed.
5 min de lectura
Embracing 401(k) auto-enrollment with the budget in mind
Data shows that automated features such as automatic (auto) enrollment, auto-increase, and re-enrollment can significantly improve participation rates and help employees save for retirement.
4 min de lectura
Enhanced benefits to help reduce nurse turnover
A significant shortage of registered nurses is projected through 2036. As health care administrators face challenges in both hiring and retaining nurses, there are opportunities to offer enhanced employee benefits to reduce nurse turnover.
6 min de lectura
How to make saving in a 401(k) plan hard (to avoid)
Retirement plans today tend to be designed with features so the average person can begin saving with little effort. Yet, it’s seemingly not working for many employees. Instead of easier, do we need to make it harder to avoid?
6 min de lectura
Retirement plan design consulting for health care organizations
Designing a retirement plan that helps all health care workers save for retirement can be challenging. Using ownership structure and tax status, Marc Howell presents plan designs to help participants save more, pass nondiscrimination testing, and watch the bottom line.
4 min de lectura
Navigating market volatility in DB plans: Comparing those with and without a de-risking strategy
Discover how de-risking can help DB plans better withstand market volatility and protect funded status, using a recent market event as a case study.
5 min de lectura
Locking in success: Why LDI matters now more than ever for DB plans
The recent market downturn is a stark reminder of the importance of using a strategy that seeks to lock in gains and reduces investment risk when the timing is right.
5 min de lectura
Annuity buy-ins: It’s time to explore a new pension risk management option
A comparison of the risk management options for defined benefit plans: Liability-driven investing, annuity buy-outs, and annuity buy-ins.
4 min de lectura
Top retirement policy and legislation questions answered
Get answers to the top questions employers have about retirement legislation and policy under the second Trump administration.
6 min de lectura
What could be next for retirement policy in the Trump 2.0 administration
Stay in-the-know of how looming tax battles, regulatory shakeups, and legal risks are converging to potentially reshape the retirement landscape.
4 min de lectura
Retirement policy in focus: Key bills to watch in 2025
While enactment of major retirement legislation in 2025 appears unlikely, there are several bipartisan retirement bills that are expected to be reintroduced. These bills signal a continued commitment to strengthening Americans’ retirement security.
4 min de lectura
Myths vs. Facts: The state of Social Security
Let’s dispel some of the common myths about Social Security and its funding status. Here we explore the program’s structure, demographic challenges, and possible outcomes if no legislative action is taken soon.
3 min de lectura
SECURE 2.0: The new Roth election for 401(k) employer contributions
In the SECURE 2.0 Act of 2022 there’s now an option plan sponsors can add allowing participants to elect to receive employer matching and nonelective contributions as Roth contributions. While initially expected to follow the same process as employee Roth contributions, recent IRS guidance reveals a different tax treatment for employer contributions, prompting important considerations for implementation and potential tax impacts for employees.
Help boost recruiting with the SECURE 2.0 student loan repayment 401(k) match
Student loan debt is hindering employees’ retirement savings. To help, a new provision within SECURE 2.0 lets employers match student loan payments with contributions to the employee’s retirement account.
7 min de lectura
What does the SECURE 2.0 Act of 2022 mean for employers?
Find answers to trending questions and answers about the SECURE 2.0 Act of 2022, including required minimum distributions (RMDs), Roth catch-up contributions, hardship self-certification and more.
SECURE 2.0 Act: IRS offers updated guidance to new retirement rules
Discover the latest IRS guidance on the SECURE 2.0 Act of 2022. Get clarity on matching qualified student loan payments (QSLP), automated features, using financial incentives, and treating certain funds as Roth contributions.
Check out these helpful resources and materials below. Still have questions? Reach out to your local Principal® representative or support team.