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Retirement Made Simpler News
August 20, 2009
Each issue of Retirement Made Simpler News delivers important news, research, updates and more to your inbox. Meet the Organizations
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In the News
Staying the Course through Uncertain Economic Times
Deloitte Annual 401(k) Benchmarking Survey: 2009 Edition
Employers and employees take a "wait and see" approach toward their 401(k) plans. What continues to be an important trend, despite current market conditions, is the push toward auto-enrollment. The proportion of Survey respondents with auto-enrollment in place went up another 10% over last year to 52%. This is more than double the number from only four years ago. Another 14% are considering it as a plan feature. White Papers
Help Stop 401(k) Leakage: Investor Alert
If you have transitioning employees who are considering cashing out their 401(k) when they change jobs, encourage them to think twice. Or maybe three times. This Investor Alert from RMS-partner FINRA can help educate investors to the potentially devastating impact cashing even a modest amount of 401(k) assets can have on retirement savings. FINRA Alert or view More Alerts and Investor Updates
Policy Analysis: Improving Savings Incentives for the Poor
More dramatic increases in the rate of savings have come from changing the design of savings programs. For example, a 2001 NBER study found that automatically enrolling employees in a 401(k) retirement plan—requiring them to opt out of participation instead of opt into the plan—increases employee participation from an average of 35% to 92% percent. National Center for Policy Analysis
 Defined Contribution Plans for Nonprofit Organizations
The challenge for nonprofit organizations and the CPAs who serve them is to understand how new regulations affect 403(b) plans and when a 401(k) might be a better option. Explore the new regulations and the key questions to consider. Journal of Accountancy
Check Out the New RMS Media Stream
On our Site
Free Samples
We’ve developed a number of templates to the help you communicate automatic 401(k) employment messages to your employees.
Sample Employee Notice of Automatic 401(k) Enrollment
Sample Email — Automatic 401(k)
Sample Voicemail Script
Resources and Tools
White Papers
Stay current with the latest research from plan administrators, plan consultants and others related to automatic 401(k)s. White Papers
Saver’s Credit Toolkit
Would your employees want to know how to get a federal income tax credit of up to $1,000? Thanks to your automatic 401(k) plan, many of your employees may now be eligible for the little-known Saver’s Credit. Saver’s Credit Resources
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