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Planning Techniques
Click the links below for news, tips and other information that will help you plan your retirement benefit strategy:

Roth 401K Calculator More Info >>

Recent NRS Newsletters More Info >>

8-01-2014 - Excluding Part Time, Temporary, And Seasonal Employees Can Be Complicated

8-01-2014 - Start Fiscal Year End Planning Now

8-01-2014 - Reminders For August

7-01-2014 - Plan Document Restatements Required For All Pre-Approved Defined Contiibution Plans

7-01-2014 - Annual Participant Disclosures For Participant Investment Directed Plans

7-01-2014 - PBGC Premiums Increased And Payment Dates Modified

7-01-2014 - Reminders For July

6-01-2014 - Amnesty Program For Late ”Owner Only” Plan Reporting

6-01-2014 - New Requirement For DOL Late Filer Plans: File Form 8955-SSA

6-01-2014 - John Sciarra To Be Inducted Into College Football Hall Of Fame

6-01-2014 - Reminders For June

5-01-2014 - IRS Issues Same Gender Marriage Guidance – Retroactive Impact For Retirement Plans

5-01-2014 - Employers Should Pay Attention To Plan Documents

5-01-2014 - Reminders For May

4-01-2014 - Ideas To Help Boost 401(k) Plan Participation!

4-01-2014 - Highlights

4-01-2014 - April 2014 Reminders

3-01-2014 - When You Care Enough To Save The Most And Pay The Least!

3-01-2014 - Defined Contribution Plan Document Restatements Begin In 2014

3-01-2014 - March 2014 Reminders

2-01-2014 - 401(k) Account Balances Plus Social Security May Be Adequate

2-01-2014 - Understanding Mid-Year Plan Document Amendments To Safe Harbor 401(k) Plans

2-01-2014 - February 2014 Reminders

1-01-2014 - 401(k) Plans Growing

1-01-2014 - In-Plan ROTH Transfer Guidance Issued – Amendments Postponed Until 12/31/14

1-01-2014 - New Budget Law: PBGC Premiums Are Increased

1-01-2014 - January 2014 Reminders

12-01-2013 - IRS Announces New Rules For Dropping Safe Harbor Employer Contributions Mid-Year

12-01-2013 - Reminders For December And 2014

11-01-2013 - NRS Client Portal Update

11-01-2013 - 401(k) Plan Participant Loan Potential Pitfalls

11-01-2013 - November 2013 Reminders

10-01-2013 - Bonds And ERISA Covered Retirement Plans

10-01-2013 - Defense Of Marriage Act Repeal: Impact On Qualified Retirement Plans

10-01-2013 - October 2013 Reminders

9-01-2013 - Required Defined Benefit Plan Amendments – The Second Time Around

9-01-2013 - Financial Service Providers Assist In The Quest For Guaranteed Retirement Income

9-01-2013 - September 2013 Reminders

8-01-2013 - Three Retirement Plan Operating Errors With Easy Fixes

8-01-2013 - Proposed Safe Retirement Act Deserves Support

8-01-2013 - The Department of Labor (“DOL”) Offers Fee Disclosure Relief!

8-01-2013 - Reminders For August

7-01-2013 - Small Distributions Can Mean Big Savings

7-01-2013 - Reminders For July

6-01-2013 - Labor Department Continues Strong Focus On Deposit Timing Of Employee Contributions And Loan Repayments

6-01-2013 - 401(k) Plan Participant Accounts Rise Dramatically – As Does Reliance On 401(k) Plans For Retirement Security

6-01-2013 - Alex Froloff Joins NRS

6-01-2013 - Reminders For June

5-01-2013 - IRS Starts Process For Pre-Approved 403(B) Plan Documents

5-01-2013 - Amendments Required For Defined Benefit Plans In 2013

5-01-2013 - Major Appeals Court Upholds Fiduciary Actions

5-01-2013 - Reminders For May

4-01-2013 - DOL And IRS Audits Increase – Steps That Minimize Potential Audit Headaches

4-01-2013 - The IRS Revises Their Retirement Plan Correction Program Procedures

4-01-2013 - Department Of Labor Delinquent Filer Voluntary Compliance Program Updated

4-01-2013 - Nate DeLong Joins NRS

4-01-2013 - Reminders For April

3-01-2013 - Washington Post 401(k) Article Causes Stir

3-01-2013 - Plan Sponsor Not Responsible For Ex-spouse Fraudulant Actions

3-01-2013 - Reminders For March

2-01-2013 - American Taxpayer Relief Act Expands Use Of Retirement Plan “In-Plan ROTH Conversions”

2-01-2013 - IRS Audit Chief: “Internal Controls Essential For Retirement Plans”

2-01-2013 - Reminders For February

1-01-2013 - 401(K) Participation Continues To Rise

1-01-2013 - 401(K) Plan Contribution Limits Defended

1-01-2013 - Non-resident Aliens In U.S. Retirement Plans

1-01-2013 - Reminders For January

12-01-2012 - IRS Postpones Defined Benefit Plan Amendment One Year

12-01-2012 - “Save My 401K” Campaign Underway

12-01-2012 - Loan And Hardship Distribution Relief Provided For Hurricane Sandy Victims

12-01-2012 - Advisors Portal To Launch Soon!

12-01-2012 - 2012 Year End Reminders

11-01-2012 - Defined Benefit Plans Require An Amendment For Limitations Due To Low Funding

11-01-2012 - Defined Contribution Retirement Plans Account For Larger Percentage Of Family Assets

11-01-2012 - November Reminders – Participant Communications

10-01-2012 - DOL May Increase Retirement Plan Audits

10-01-2012 - IRS Letter Forwarding Eliminated For Qualified Retirement Plans

10-01-2012 - Revised Extension Form 5558 Issued

10-01-2012 - Reminder For September

09-01-2012 - Favorable Trends For 401(K) Plans

09-01-2012 - More Information On Participant Directed Investment Disclosures

09-01-2012 - Mistakes Happen: Favorable Results For Employer

08-01-2012 - “True Up” Matching Contributions For 401(K) Deferrals

08-01-2012 - Minimum Funding Relief For Defined Benefit Pension Plans (“Funding Stabilization”)

08-01-2012 - Guidance Issued Concerning Benefit Reduction Notices

08-01-2012 - Reminder For August

07-01-2012 - Coming Soon! NRS Client Portal & NRS Financial Advisor Portal

07-01-2012 - Fee Disclosures Under Both 408(B)(2) And 404A-5

07-01-2012 - IRS Scrutinizes Companies Using Leased Employees

07-01-2012 - IRS Identifies New Defined Benefit Audit Items

07-01-2012 - Reminders For June 2012

06-01-2012 - Tax Consequences Of Retirement Plan Disqualification

06-01-2012 - Missed The Defined Benefit Restatement Deadline? Government Offers “Half Price Sale” For Prompt Fixes

05-01-2012 - From The President/CEO Of NRS John Sciarra

04-01-2012 - Leased Employees Can Present Retirement Plan Complications

04-01-2012 - Reminders for April

03-01-2012 - DOL Finalizes Regulations For Retirement Plan Service Provider Fee Disclosures! Extends Deadline!

03-01-2012 - Lower Interest Rates Impact Retirement Plans

02-01-2012 - Data Collection: A Key Element In Providing Effective Plan Administrative Services

02-01-2012 - Retirement Plan Service Providers Waiting For Final Investment Disclosure Guidance

01-01-2012 - New Fee Disclosure Rules Set To Take Effect In April

01-01-2012 - One Participant Plans Now Able To File Electronically –And Maintain Privacy

01-01-2012 - IRS Widens User Fee Waiver Eligibility

12-01-2011 - 2011 Year End Tasks And Reminders

12-01-2011 - Completing Form 8955-SSA: IRS Settles Confusion For 2009/2010 Reporting

11-01-2011 - Reporting Terminated Vested Participant Has A New Twist

11-01-2011 - Reminder For 401(K) Plans: Participant Notices Due

11-01-2011 - Fifth Circuit Appeals Court: Produce Plan Documents!

10-01-2011 - Department Of Labor Issues Guidance On Electronic Fee Disclosures

10-01-2011 - Appeals Court To Retirement Plan Administrators: Don't Outthink Yourself

10-01-2011 - “Timely Mailed Is Timely Filed” – IRS To Allow Private Delivery Service Postmarks

09-01-2011 - Department Of Labor Audits Are Avoidable

09-01-2011 - September 15 Is Funding Date For Many Retirement Plans

09-01-2011 - Safe Harbor 401(K) Plan Start Ups And Notices

08-01-2011 - Tips For Locating “Missing” Plan Participants

08-01-2011 - “EGTRRA Restatement” Of Defined Benefit Plans Under Way At NRS

08-01-2011 - Department Of Labor Postpones 408(B)(2) Disclosure Rules –Again

08-01-2011 - IRS Issues Extension Form 5558 With Companion Rules

07-01-2011 - Save Your Plan Documents Or Consider Protective Measures

07-01-2011 - IRS Issues Form 5500-EZ For Owner Only Plans Just In Time For July Filing

07-01-2011 - Employee Plans Compliance Unit –A More Efficient IRS

07-01-2011 - 2009 Terminated Participants Form 8955-SSA Now Available

06-01-2011 - CIGNA Corp. V. AMARA: Supreme Court Provides A Unanimous Decision –With Mixed Implications

06-01-2011 - Form 5500EZ 2010 Filing: Deadline Nears With No Form Available

06-01-2011 - U.S. Labor Department To Increase Internet Use

05-01-2011 - Plan Participant Loans And The Terminated Employee

05-01-2011 - IRS Putting Special Emphasis On Funding Deficiencies Compliance

05-01-2011 - Reminder: EGTRRA Restatement For Defined Benefit Plans

04-01-2011 - Defined Benefit Plan Preapproved Documents Must Be Restated

04-01-2011 - Frequently Asked Questions Concerning The EGTRRA Plan Document Restatement Process

03-01-2011 - Reminder: March 15 Is Due Date For 401(K) Refunds

03-01-2011 - Temporary Change In Self Employment Taxes For 2010

03-01-2011 - Key Factors To Consider Before Sponsoring A “412(E) (3) Fully Insured” Defined Benefit Plan

03-01-2011 - April 30, 2011 Is Last Day To File For Low Cost Relief On Tardy EGTRRA Restatements

02-01-2011 - Payroll Tax Cut Provides Source Of Aditional Savings

02-01-2011 - IRS Reverses Position On Preparer Application System

02-01-2011 - IRS User Fees Escalate Dramatically In 2011

02-01-2011 - How Are We Doing? Please Complete The NRS Client Satisfaction Survey!

01-01-2011 - Key Factors To Remember When Sponsoring A Defined Benefit Pension Plan

01-01-2011 - Sign Of The Times: IRS Eliminates “Federal Tax Deposit (FTD) Coupon”

12-01-2010 - A Message From The President Of NRS

12-01-2010 - 2010 Year End Reminders

12-01-2010 - 2010: The Year Of The ROTH Transfer… Is It A Great Tax Strategy?

11-01-2010 - Cost Of Living Indexed Retirement Plan Limits Unchanged In 2011

11-01-2010 - Final DOL Regulation Issued Concerning Fee Disclosures To Participants

11-01-2010 - New IRS Tax Return Preparer Application System And User Fees

11-01-2010 - DOL Proposes Updated Definition O “Fiduciary”

10-01-2010 - Plan Amendments Required For 2010

10-01-2010 - Record Retention: A Plan Sponsor Fiduciary Duty

10-01-2010 - Late EGTRRA Restatements For Defined Ccontribution Plans

10-01-2010 - Late Breaking News: In Plan ROTH Rollovers

09-01-2010 - New Electronic Filing Glitch: Timely Filied, Processed Late

09-01-2010 - Death Benefits To Non-spouse Beneficiaries: It’s Complicated

08-01-2010 - How Do You Fix A Plan Document Error?

08-01-2010 - Fee Disclosure Rules Are Finally Published

07-01-2010 - EFAST2 –Update

07-01-2010 - New Law Provides Funding Relief

07-01-2010 - Retirement Plans Will Require Another Amendment In 2010

07-01-2010 - QDRO Rules Finalized: Timing Of QDRO Preparation

06-01-2010 - The 2009 Form 5500 EZ, EFAST2 Electronic Filing, “Voluntary” Questionaires For 401(K) Plan Sponsors Plus Fee Disclosure Is Around The Corner

05-01-2010 - Defined Contribution Plan Document EGTRRA Restatement Period Ends! Defined Benefit Plan Document EGTRRA Restatement Period Will Soon Begin!

05-01-2010 - Fee Disclosure Regulation For 401(K) Plans Imminent

04-01-2010 - Retirement Plan Administration And Compliance: A Complex And Continually Moving Target

03-01-2010 - Pending Document Amendment Deadlines Missteps Can Be Costly

03-01-2010 - EFAST-2 And The “Owners Only” Plan

02-01-2010 - New “EFAST2” Requirements Require Computer Access

02-01-2010 - New Requirements For Code Section 403(b) Retirement Plans

01-01-2010 - Silence Is Not Always Golden: Required Advance ERISA 204(h) Notice To Pension Plan Participants

01-01-2010 - Some Reminders For 2010

01-01-2010 - NRS Data Portal To Open In 2010

01-01-2010 - EFAST-2 / Electronic Filing O Form 5500

Economic Growth and Tax Relief Reconciliation Act (EGTRRA) Presents New Planning Opportunities for Employers

The Economic Growth and Tax Relief Reconciliation Act (EGTRRA) and other recent legislation increase the retirement saving and tax planning opportunities for business owners and their employees. Most notably, EGTRRA increases several of the dollar limits applicable to qualified retirement plans, such as the annual additions limitation ($40,000 for 2002), 401(k) deferral limit ($11,000 in 2002, then increasing by $1,000 each year until it reaches $15,000) and the maximum considered compensation, which jumps from $170,000 to $200,000 in 2002. The interplay of these higher limits with other available planning strategies offers many opportunities for re-designing an employer's retirement plans. Just click on the topics below to read about some exciting features that may be available to your company.

12-04-01 - Increased Profit Sharing Deduction Limits Makes Some Money Purchase Pension Plans Unnecessary

12-04-01 - 401(k) Plans Can Offer Additional ("Catch-up") Contributions for Participants Age 50 and Older

12-04-01 - Adding the "Safe Harbor" Feature to a 401(k) Plan Eliminates ADP Testing

12-04-01 - New Planning Opportunities for Contributing to Defined Benefit Plans (Even Frozen Plans)

12-04-01 - Don't Forget to Claim the Tax Credit for Fees and Costs of New Plans

12-04-01 - New IRS Minimum Distribution Rules Permit Lower Mandatory Distributions at 70 ½

 
 
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