Retirement policy continues to evolve as lawmakers work to address growing concerns about retirement readiness, access to workplace plans, and long-term financial security for aging Americans.
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3 Did You Knows
did you know that more than 4.1 million Americans are turning 65 every year through 2027…
Four Generations, One Retirement System: Demographics & Plan Design
Today’s workforce primarily spans four generations: Baby Boomers, Generation X, Millennials, and Generation Z, all relying on the same retirement system despite differing financial experiences and priorities.
Important Compliance Deadlines – Spring 2026
Deadline for corrective distributions to participants of excess deferral amounts under Internal Revenue Code Section 402(g).
Spring Clean Your 401(k): Five Fiduciary Tasks To Tackle Now
Spring is a good time for plan sponsors to review the overall health of their company’s retirement plan.
Key RMD Rules Every Retirement Plan Sponsor Should Know
Required Minimum Distributions (RMDs) are an important compliance responsibility for employers that sponsor retirement plans such as 401(k) plans.
The Importance of Reviewing Beneficiaries
Now is the perfect time to remind participants to review their beneficiary information on their retirement plan and make any necessary updates. Here’s why:Some participants may believe they are taken care of by having a will or estate plan. However, in the case of...
3 Did You Knows
Americans say they need an average of $1.46 million to retire comfortably in 2025, reflecting continued concern about inflation, healthcare costs, and longevity risk.*The average 401(k) savings rate (employee plus employer contributions) reached approximately 14.2% in...
Important Compliance Deadlines
Deadline for sending Form 1099-R to participants who received distributions from a qualified retirement plan during the previous year. (for most plans, Alliance completes this on your behalf) Deadline for distributing ADP/ACP refunds without incurring a 10% excise tax...
Fiduciary Checklist: Retirement Plan Oversight Best Practices
Fiduciary oversight requires consistent review, documentation, and disciplined governance. Your Alliance Team, in conjunction with investment and other advisors, will support you to ensure that your plan remains compliant. The following checklist highlights the core...