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403(b) Regulations - Next Steps for Plan Sponsors to Consider

NOTE: This diagnostic tool is intended to be used in conjunction with, not in lieu of, services provided by an employer’s trusted legal advisors.

Not-for-profit organizations, including hospitals, churches, governmental organizations, and colleges and universities, that sponsor 403(b) plans face increased responsibilities as a result of the 403(b) regulations issued by the Department of the Treasury and Internal Revenue Service in 2007. In general, these regulations are effective for plan years beginning January 1, 2009, and later. All 403(b) arrangements need to take action prior to the end of 2008, and, in many cases, decisions must be made.

The Principal Financial Group®, a total retirement solutions innovator, is ready to help employers and their financial professionals so they are better equipped to navigate this challenging transition. The Principal® has developed this interactive 403(b) diagnostic tool to help employers consider steps they may need to take to comply with the final 403(b) regulations.

Determining the Status of Your 403(b) Plan

403(b) arrangement models determine the next steps an employer should consider taking to comply with the 403(b) regulations. In general, a 403(b) arrangement should fit within one of three models. Use this tool to:

  • Determine the model that fits your 403(b) arrangement, and
  • Learn what actions can be taken to help ensure your plan(s) is in compliance with the 403(b) regulations.

Use the tool now.


Is Your Plan Compliant?

View a printable version of the 403(b) Diagnostic Tool.

View a printable version of the 403(b) diagnostic tool

Have a question? Call us at 1.800.986.3343

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