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2017 Newsletters

May 2017

ASCENSUS ACQUISITION OF NRS UPDATE
CLARIFYING RETIREMENT PLAN DOCUMENT MISSTEPS
REMINDERS FOR MAY

April 2017

BUSINESS MERGERS & ACQUISITIONS IMPACT TAX QUALIFIED RETIREMENT PLANS
REMINDERS FOR APRIL

March 2017

CONSIDERABLE FLEXIBILITY IS AVAILABLE WHEN DETERMINING A RETIREMENT PLAN’S COVERAGE GROUP
REMINDERS FOR MARCH

February 2017

RULES GOVERNING PLAN AMENDMENT EFFECTIVE AND ADOPTION DATES
REMINDERS FOR FEBRUARY

January 2017

DEFINING A CRITICAL DATA ELEMENT FOR EMPLOYEE CENSUS REPORTING AND PLAN ADMINISTRATION
REMINDERS FOR JANUARY

 

2016 Newsletters

December 2016

HAPPY HOLIDAYS AND IMPORTANT YEAR-END REMINDERS
REMINDERS FOR DECEMBER AND 2017

November 2016

DEPARTMENT OF LABOR FOCUS ON FIDUCIARY RESPONSIBILITIES
REMINDERS FOR NOVEMBER 2016

October 2016

2017 COST OF LIVING ADJUSTMENT (COLA)!

ENHANCED NRS PORTAL EASY TO USE!
PENSION BENEFIT GUARANTY CORPORATION CUTS LATE PREMIUM PENALTIES
REMINDERS FOR OCTOBER

Septemper 2016

CASH BALANCE PLANS AN ATTRACTIVE ALTERNATIVE FOR MANY SMALL BUSINESSES
IT’S NOT TOO LATE TO START A 2016 SAFE HARBOR 401(K) PLAN
REMINDERS FOR SEPTEMBER 2016

August 2016

IRS DETERMINATION LETTER RULES AND TIMING DEPEND UPON PLAN CHARACTERISTICS
REMINDERS FOR AUGUST 2016

July 2016

WHAT IS THE BEST QUALIFIED RETIREMENT PLAN DESIGN?
REMINDERS FOR JULY 2016

June 2016

FEATURES OF THE PENSION PROTECTION ACT of 2006 (“PPA”) – REVISITED
PPA - SOMETHING FOR EVERYONE IN 401(K)
REMINDERS FOR JUNE 2016

May 2016

THE DOL ISSUES FINAL “CONFLICT OF INTEREST” RULE FOR RETIREMENT PLAN INVESTMENT ADVICE PROVIDERS
REMINDERS FOR MAY 2016

April 2016

WHO ARE “HIGHLY COMPENSATED EMPLOYEES” (and Why Do We Care?)
PPA RESTATEMENTS: LAST CALL
REMINDERS FOR APRIL 2016

March 2016

GOOD NEWS FOR SAFE HARBOR 401(K) PLANS: MOST MID-YEAR AMENDMENTS ARE NOW PERMITTED
PPA RESTATEMENTS GETTING DOWN TO THE WIRE
REMINDERS FOR MARCH 2016

February 2016

PRE-APPROVED DEFINED CONTRIBUTION PLAN DOCUMENTS AND THE SIGNIFICANCE OF APRIL 30, 2016
REMINDERS FOR FEBRUARY 2016

January 2016

COMPENSATION DEFINITIONS FOR QUALIFIED RETIREMENT PLANS: NON-DISCRIMINATION TESTING AND SAFE HARBORS
TIME IS RUNNING OUT FOR YOUR RETIREMENT PLAN’S PPA RESTATEMENT
REMINDERS FOR JANUARY

2016 COST OF LIVING ADJUSTMENT (COLA)!
 

2015 Newsletters

December 2015

HAPPY HOLIDAYS AND IMPORTANT YEAR-END REMINDERS!
REMINDERS FOR DECEMBER AND 2016
 

November 2015

COMPENSATION DEFINITIONS FOR QUALIFIED RETIREMENT PLANS
NRS CLIENT PORTAL REMINDER
NOVEMBER 2015 REMINDERS
 

October 2015

AMERICAN WORKERS MUST BETTER PREPARE FOR RETIREMENT PER RECENT SURVEYS
NEW MORTALITY TABLES MAY PRESENT FINANCIAL OPPORTUNITY FOR PENSION PLANS
DON’T FORGET TO GET THOSE REQUIRED MINIMUM DISTRIBUTIONS PAID BY DECEMBER 31
OCTOBER 2015 REMINDERS
 

September 2015

TIME IS RUNNING OUT FOR CALENDAR YEAR 2015 SAFE HARBOR 401(K) PLAN START-UPS
PENSION BENEFIT GUARANTY CORPORATION COVERAGE STRATEGIES
SEPTEMBER 2015 REMINDERS
 

August 2015

BUSINESS MERGERS & ACQUISITIONS AFFECT TAX QUALIFIED RETIREMENT PLANS
ANNUAL PARTICIPANT 404A-5 NOTICES MAY BE DUE SOON
AUGUST 2015 REMINDERS

July 2015

IRS ISSUES FINAL PROGRAM FOR FORM 5500-EZ LATE FILERS
SAMPLE PLAN LANGUAGE ISSUED FOR PRE-APPROVED CASH BALANCE PLANS
JULY 2015 REMINDERS

June 2015

IRS REQUIRES SUITABLE EVIDENCE FOR RETIREMENT PLAN HARDSHIP DISTRIBUTIONS
TAX QUALIFIED RETIREMENT PLANS: THE BEST WAY TO SAVE
REMINDERS FOR JUNE

May 2015

GOOD NEWS! IRS ISSUES MORE LENIENT RULES FOR CORRECTING PLAN ADMINISTRATIVE ERRORS
DOL RELAXES DEADLINE FOR PARTICIPANT FEE DISCLOSURES
REMINDERS FOR MAY

April 2015

PLAN ELIGIBILITY RULES FOR REHIRED EMPLOYEES
AMNESTY PROGRAM DEADLINE FOR LATE REPORTING OF “OWNERS’ ONLY” PLANS
REMINDERS FOR APRIL

March 2015

SOCIAL SECURITY ADMINISTRATION INFORMATION FORM 8955-SSA WILL BE FILED ELECTRONICALLY
AMERICANS SATISFIED WITH PRIVATE DEFINED CONTRIBUTION PLANS AND OPPOSED TO GOVERNMENT INTERVENTION
REMINDERS FOR MARCH

February 2015

IMPORTANT TAX INFORMATION PROVIDED VIA THE NRS PORTAL
NRS PORTAL ONLINE DATA COLLECTION AND CENSUS
COVERAGE OR NON-DISCRIMINATION FIXES AFTER PLAN YEAR END: “11(G) AMENDMENTS
REMINDERS FOR FEBRUARY

January 2015

REAL ESTATE AS A RETIREMENT PLAN ASSET PRESENTS SEVERAL SPECIAL CONSIDERATIONS
USING AFTER-TAX EMPLOYEE CONTRIBUTIONS AS A TAX PLANNING TOOL
SURVEY SHOWS MOST EMPLOYERS MAKE 401(K) CONTRIBUTIONS
JANUARY 2015 REMINDERS

 

2014 Newsletters

December 2014

NRS CLIENT PORTAL REMINDER
2015 SAFE HARBOR 401(K) PLAN PARTICIPANT NOTICE CHANGES
PBGC PROTECTS EMPLOYEE ROLLOVERS TO DEFINED BENEFIT PLANS
REMINDERS FOR DECEMBER AND 2015

November 2014

2014 TAX PLANNING: NEW OR REDESIGNED RETIREMENT PLANS
RESTATEMENT REPRIEVE FOR CASH BALANCE PLAN RESTATEMENTS
REMINDERS FOR NOVEMBER

October 2014

401(K) SAFE HARBOR PPA PLAN RESTATEMENT: WHEN DO WE RESTATE?
IRS PERMITS DEFINED BENEFIT PLANS TO TAKE RETROACTIVE ADVANTAGE OF HATFA
REMINDERS FOR OCTOBER

September 2014

TIPS FOR LOCATING "MISSING" PLAN PARTICIPANTS
DEFINED BENEFIT PLANS: THE HIGHWAY AND TRANSPORTATION FUNDING ACT
SMALL RETIREMENT PLANS SCRUTINIZED BY DOL
REMINDERS FOR SEPTEMBER

August 2014

EXCLUDING PART TIME, TEMPORARY, AND SEASONAL EMPLOYEES CAN BE COMPLICATED
START FISCAL YEAR END PLANNING NOW
REMINDERS FOR AUGUST

July 2014

PLAN DOCUMENT RESTATEMENTS REQUIRED FOR ALL PRE-APPROVED DEFINED CONTRIBUTION PLANS
ANNUAL PARTICIPANT DISCLOSURES FOR PARTICIPANT INVESTMENT DIRECTED PLANS
PBGC PREMIUMS INCREASED AND PAYMENT DATES MODIFIED
REMINDERS FOR JULY

June 2014

AMNESTY PROGRAM FOR LATE ”OWNER ONLY” PLAN REPORTING
NEW REQUIREMENT FOR DOL LATE FILER PLANS: FILE FORM 8955-SSA
JOHN SCIARRA TO BE INDUCTED INTO COLLEGE FOOTBALL HALL OF FAME
REMINDERS FOR JUNE

May 2014

IRS ISSUES SAME GENDER MARRIAGE GUIDANCE – RETROACTIVE IMPACT FOR RETIREMENT PLANS
EMPLOYERS SHOULD PAY ATTENTION TO PLAN DOCUMENTS
REMINDERS FOR MAY

April 2014

IDEAS TO HELP BOOST 401(K) PLAN PARTICIPATION!
HIGHLIGHTS
APRIL 2014 REMINDERS

March 2014

WHEN YOU CARE ENOUGH TO SAVE THE MOST AND PAY THE LEAST!
DEFINED CONTRIBUTION PLAN DOCUMENT RESTATEMENTS BEGIN IN 2014
MARCH 2014 REMINDERS

February 2014

401(K) ACCOUNT BALANCES PLUS SOCIAL SECURITY MAY BE ADEQUATE
UNDERSTANDING MID-YEAR PLAN DOCUMENT AMENDMENTS TO SAFE HARBOR 401(K) PLANS
FEBRUARY 2014 REMINDERS

January 2014

401(K) PLANS GROWING
IN-PLAN ROTH TRANSFER GUIDANCE ISSUED –AMENDMENTS POSTPONED UNTIL 12/31/14
NEW BUDGET LAW: PBGC PREMIUMS ARE INCREASED
JANUARY 2014 REMINDERS

2013 Newsletters

December 2013

IRS ANNOUNCES NEW RULES FOR DROPPING SAFE HARBOR EMPLOYER CONTRIBUTIONS MID-YEAR
REMINDERS FOR DECEMBER AND 2014

November 2013

NRS CLIENT PORTAL UPDATE
401(K) PLAN PARTICIPANT LOAN POTENTIAL PITFALLS
NOVEMBER 2013 REMINDERS

October 2013

BONDS AND ERISA COVERED RETIREMENT PLANS

DEFENSE OF MARRIAGE ACT REPEAL: IMPACT ON QUALIFIED RETIREMENT PLANS

OCTOBER 2013 REMINDERS

September 2013

REQUIRED DEFINED BENEFIT PLAN AMENDMENTS – THE SECOND TIME AROUND

FINANCIAL SERVICE PROVIDERS ASSIST IN THE QUEST FOR GUARANTEED RETIREMENT INCOME

SEPTEMBER 2013 REMINDERS

August 2013

THREE RETIREMENT PLAN OPERATING ERRORS WITH EASY FIXES

PROPOSED SAFE RETIREMENT ACT DESERVES SUPPORT

THE DEPARTMENT OF LABOR (“DOL”) OFFERS FEE DISCLOSURE RELIEF!

REMINDERS FOR AUGUST

July 2013

SMALL DISTRIBUTIONS CAN MEAN BIG SAVINGS

REMINDERS FOR JULY

June 2013

LABOR DEPARTMENT CONTINUES STRONG FOCUS ON DEPOSIT TIMING OF EMPLOYEE CONTRIBUTIONS AND LOAN REPAYMENTS

401(K) PLAN PARTICIPANT ACCOUNTS RISE DRAMATICALLY – AS DOES RELIANCE ON 401(K) PLANS FOR RETIREMENT SECURITY

ALEX FROLOFF JOINS NRS

REMINDERS FOR JUNE

May 2013

IRS STARTS PROCESS FOR PRE-APPROVED 403(B) PLAN DOCUMENTS

AMENDMENTS REQUIRED FOR DEFINED BENEFIT PLANS IN 2013

MAJOR APPEALS COURT UPHOLDS FIDUCIARY ACTIONS

REMINDERS FOR MAY

April 2013

DOL AND IRS AUDITS INCREASE – STEPS THAT MINIMIZE POTENTIAL AUDIT HEADACHES

THE IRS REVISES THEIR RETIREMENT PLAN CORRECTION PROGRAM PROCEDURES

DEPARTMENT OF LABOR DELINQUENT FILER VOLUNTARY COMPLIANCE PROGRAM UPDATED

NATE DELONG JOINS NRS

REMINDERS FOR APRIL

March 2013

WASHINGTON POST 401(K) ARTICLE CAUSES STIR

PLAN SPONSOR NOT RESPONSIBLE FOR EX-SPOUSE FRAUDULANT ACTIONS

REMINDERS FOR MARCH

February 2013

AMERICAN TAXPAYER RELIEF ACT EXPANDS USE OF RETIREMENT PLAN “IN-PLAN ROTH CONVERSIONS”

IRS AUDIT CHIEF: “INTERNAL CONTROLS ESSENTIAL FOR RETIREMENT PLANS”

REMINDERS FOR FEBRUARY

January 2013

401(K) PARTICIPATION CONTINUES TO RISE

401(K) PLAN CONTRIBUTION LIMITS DEFENDED

NON-RESIDENT ALIENS IN U.S. RETIREMENT PLANS

REMINDERS FOR JANUARY


2012 Newsletters

December 2012

IRS POSTPONES DEFINED BENEFIT PLAN AMENDMENT ONE YEAR

“SAVE MY 401K” CAMPAIGN UNDERWAY

LOAN AND HARDSHIP DISTRIBUTION RELIEF PROVIDED FOR HURRICANE SANDY VICTIMS

ADVISORS PORTAL TO LAUNCH SOON!

2012 YEAR END REMINDERS

November 2012

DEFINED BENEFIT PLANS REQUIRE AN AMENDMENT FOR LIMITATIONS DUE TO LOW FUNDING

DEFINED CONTRIBUTION RETIREMENT PLANS ACCOUNT FOR LARGER PERCENTAGE OF FAMILY ASSETS

NOVEMBER REMINDERS – PARTICIPANT COMMUNICATIONS

October 2012

DOL MAY INCREASE RETIREMENT PLAN AUDITS

IRS LETTER FORWARDING ELIMINATED FOR QUALIFIED RETIREMENT PLANS

REVISED EXTENSION FORM 5558 ISSUED

REMINDER FOR SEPTEMBER

September 2012

FAVORABLE TRENDS FOR 401(K) PLANS

MORE INFORMATION ON PARTICIPANT DIRECTED INVESTMENT DISCLOSURES

MISTAKES HAPPEN: FAVORABLE RESULTS FOR EMPLOYER

August 2012

“TRUE UP” MATCHING CONTRIBUTIONS FOR 401(K) DEFERRALS

MINIMUM FUNDING RELIEF FOR DEFINED BENEFIT PENSION PLANS (“FUNDING STABILIZATION”)

GUIDANCE ISSUED CONCERNING BENEFIT REDUCTION NOTICES

REMINDER FOR AUGUST

July 2012

COMING SOON! NRS CLIENT PORTAL & NRS FINANCIAL ADVISOR PORTAL

FEE DISCLOSURES UNDER BOTH 408(B)(2) AND 404A-5

IRS SCRUTINIZES COMPANIES USING LEASED EMPLOYEES

IRS IDENTIFIES NEW DEFINED BENEFIT AUDIT ITEMS

REMINDERS FOR JUNE 2012

June 2012

TAX CONSEQUENCES OF RETIREMENT PLAN DISQUALIFICATION

MISSED THE DEFINED BENEFIT RESTATEMENT DEADLINE? GOVERNMENT OFFERS “HALF PRICE SALE” FOR PROMPT FIXES

May 2012

FROM THE PRESIDENT/CEO OF NRS JOHN SCIARRA

April 2012

LEASED EMPLOYEES CAN PRESENT RETIREMENT PLAN COMPLICATIONS

REMINDERS FOR APRIL

March 2012

DOL FINALIZES REGULATIONS FOR RETIREMENT PLAN SERVICE PROVIDER FEE DISCLOSURES! EXTENDS DEADLINE!

LOWER INTEREST RATES IMPACT RETIREMENT PLANS

February 2012

DATA COLLECTION: A KEY ELEMENT IN PROVIDING EFFECTIVE PLAN ADMINISTRATIVE SERVICES

RETIREMENT PLAN SERVICE PROVIDERS WAITING FOR FINAL INVESTMENT DISCLOSURE GUIDANCE

January 2012

NEW FEE DISCLOSURE RULES SET TO TAKE EFFECT IN APRIL

ONE PARTICIPANT PLANS NOW ABLE TO FILE ELECTRONICALLY –AND MAINTAIN PRIVACY

IRS WIDENS USER FEE WAIVER ELIGIBILITY



2011 Newsletters

December 2011

2011 YEAR END TASKS AND REMINDERS

COMPLETING FORM 8955-SSA: IRS SETTLES CONFUSION FOR 2009/2010 REPORTING

November 2011

REPORTING TERMINATED VESTED PARTICIPANTS HAS A NEW TWIST

REMINDER FOR 401(K) PLANS: PARTICIPANT NOTICES DUE

FIFTH CIRCUIT APPEALS COURT: PRODUCE PLAN DOCUMENTS!

October 2011

DEPARTMENT OF LABOR ISSUES GUIDANCE ON ELECTRONIC FEE DISCLOSURES

APPEALS COURT TO RETIREMENT PLAN ADMINISTRATORS: DON’T OUTTHINK YOURSELF

“TIMELY MAILED IS TIMELY FILED” – IRS TO ALLOW PRIVATE DELIVERY SERVICE POSTMARKS

September 2011

DEPARTMENT OF LABOR AUDITS ARE AVOIDABLE

SEPTEMBER 15 IS FUNDING DATE FOR MANY RETIREMENT PLANS

SAFE HARBOR 401(K) PLAN START UPS AND NOTICES

August 2011

TIPS FOR LOCATING “MISSING” PLAN PARTICIPANTS

“EGTRRA RESTATEMENT” OF DEFINED BENEFIT PLANS UNDER WAY AT NRS

DEPARTMENT OF LABOR POSTPONES 408(B)(2) DISCLOSURE RULES –AGAIN

IRS ISSUES EXTENSION FORM 5558 WITH COMPANION RULES

July 2011

SAVE YOUR PLAN DOCUMENTS OR CONSIDER PROTECTIVE MEASURES

IRS ISSUES FORM 5500-EZ FOR OWNER ONLY PLANS JUST IN TIME FOR JULY FILING

EMPLOYEE PLANS COMPLIANCE UNIT –A MORE EFFICIENT IRS

2009 TERMINATED PARTICIPANTS FORM 8955-SSA NOW AVAILABLE

June 2011

CIGNA CORP. V. AMARA: SUPREME COURT PROVIDES A UNANIMOUS DECISION –WITH MIXED IMPLICATIONS

FORM 5500EZ 2010 FILING: DEADLINE NEARS WITH NO FORM AVAILABLE

U.S. LABOR DEPARTMENT TO INCREASE INTERNET USE

May 2011

PLAN PARTICIPANT LOANS AND THE TERMINATED EMPLOYEE

IRS PUTTING SPECIAL EMPHASIS ON FUNDING DEFICIENCIES COMPLIANCE

REMINDER: EGTRRA RESTATEMENT FOR DEFINED BENEFIT PLANS

April 2011

DEFINED BENEFIT PLAN PREAPPROVED DOCUMENTS MUST BE RESTATED

FREQUENTLY ASKED QUESTIONS CONCERNING THE EGTRRA PLAN DOCUMENT RESTATEMENT PROCESS

March 2011

REMINDER: MARCH 15 IS DUE DATE FOR 401(K) REFUNDS

TEMPORARY CHANGE IN SELF EMPLOYMENT TAXES FOR 2010

KEY FACTORS TO CONSIDER BEFORE SPONSORING A “412(E) (3) FULLY INSURED” DEFINED BENEFIT PLAN

APRIL 30, 2011 IS LAST DAY TO FILE FOR LOW COST RELIEF ON TARDY EGTRRARESTATEMENTS

February 2011

PAYROLL TAX CUT PROVIDES SOURCE OF ADDITIONAL SAVINGS

IRS USER FEES ESCALATE DRAMATICALLY IN 2011

IRS REVERSES POSITION ON PREPARER APPLICATION SYSTEM

HOW ARE WE DOING? PLEASE COMPLETE THE NRS CLIENT SATISFACTION SURVEY!

January 2011

KEY FACTORS TO REMEMBER WHEN SPONSORING A DEFINED BENEFIT PENSION PLAN

SIGN OF THE TIMES: IRS ELIMINATES “FEDERAL TAX DEPOSIT (FTD) COUPON”



2010 Newsletters

December 2010

A MESSAGE FROM THE PRESIDENT OF NRS

2010 YEAR END REMINDERS

2010: THE YEAR OF THE ROTH TRANSFER… IS IT A GREAT TAX STRATEGY?

November 2010

COST OF LIVING INDEXED RETIREMENT PLAN LIMITS UNCHANGED IN 2011

FINAL DOL REGULATION ISSUED CONCERNING FEE DISCLOSURES TO PARTICIPANTS

NEW IRS TAX RETURN PREPARER APPLICATION SYSTEM AND USER FEES

DOL PROPOSES UPDATED DEFINITION OF “FIDUCIARY”

October 2010

PLAN AMENDMENTS REQUIRED FOR 2010

RECORD RETENTION: A PLAN SPONSOR FIDUCIARY DUTY

LATE EGTRRA RESTATEMENTS FOR DEFINED CONTRIBUTION PLANS

LATE BREAKING NEWS: IN PLAN ROTH ROLLOVERS

September 2010

NEW ELECTRONIC FILING GLITCH:TIMELY FILED, PROCESSED LATE

DEATH BENEFITS TO NON-SPOUSE BENEFICIARIES: IT’S COMPLICATED

August 2010

HOW DO YOU FIX A PLAN DOCUMENT ERROR?

FEE DISCLOSURE RULES ARE FINALLY PUBLISHED

July 2010

EFAST2 UPDATE

NEW LAW PROVIDES FUNDING RELIEF

RETIREMENT PLANS WILL REQUIRE ANOTHER AMENDMENT IN 2010

QDRO RULES FINALIZED: TIMING OF QDRO PREPARATION

June 2010

THE 2009 FORM 5500 EZ, EFAST2 ELECTRONIC FILING, “VOLUNTARY” QUESTIONNAIRES FOR 401(K) PLAN SPONSORS

PLUS FEE DISCLOSURE IS AROUND THE CORNER

May 2010

DEFINED CONTRIBUTION PLAN DOCUMENT EGTRRA RESTATEMENT PERIOD ENDS!

DEFINED BENEFIT PLAN DOCUMENT EGTRRA RESTATEMENT PERIOD WILL SOON BEGIN!

FEE DISCLOSURE REGULATION FOR 401(K) PLANS IMMINENT

April 2010

RETIREMENT PLAN ADMINISTRATION AND COMPLIANCE: A COMPLEX AND CONTINUALLY MOVING TARGET

March 2010

PENDING DOCUMENT AMENDMENT DEADLINES MISSTEPS CAN BE COSTLY

EFAST-2 AND THE “OWNERS ONLY” PLAN

February 2010

NEW “EFAST2” REQUIREMENTS REQUIRE COMPUTER ACCESS

NEW REQUIREMENTS FOR CODE SECTION 403(b) RETIREMENT PLANS

January 2010

SILENCE IS NOT ALWAYS GOLDEN: REQUIRED ADVANCE ERISA 204(h) NOTICE TO PENSION PLAN PARTICIPANTS

SOME REMINDERS FOR 2010

NRS DATA PORTAL TO OPEN IN 2010

EFAST-2 / ELECTRONIC FILING OF FORM 5500

 

 

 
 
 
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