Plan Design
ERISA is the federal body of laws which regulate the pension
industry. Recently, new legislation, such as the Economic
Growth and Tax Relief Reconciliation Act, was enacted and
added new design options to the existing body of regulations.
Today, there are dozens of new regulations pertaining to the
structure and operation of pension plan design. We work with
you to ensure that your plan is being optimized and complies
with all legal requirements.
Some important plan design issues include:
| Vesting |
Discretionary Contributions |
| Eligibility Waiting Period |
Financial Hardship Withdrawals |
| Plan Trustees |
Employer Matching Contributions |
| Plan Entry Dates |
Automatic/Negative Enrollment |
| Loan Provisions |
Increased Elective Deferral Limits |
| Highly Compensated Employees |
Paperless Enrollment |
| Age Requirements |
Safe-harbor Provisions |
| Service Requirements |
Tiered & Age Weighted Contributions |
| Plan Type |
New Age Comparability |
|
