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Defined Contribution Insights

Winter 2018

Compliance Watch
California and Illinois join Oregon to mandate enrollment of private sector workers in less than optimal IRAs.
By Jack Towarnicky
403(b) Plans
403(b) plan sponsors are increasingly focused on plan governance.
By Hattie Greenan
Education
A step-by-step guide to implementing a successful 401(k) education campaign.
By Jillian Perkins
HSAs
Solutions and relief for plan sponsors regarding eight HSA pain points.
By Karin Rettger and Jack Towarnicky
Investments
The marketing lure of “free” and its possible implications on your fund lineup.
By Chris Carosa
Leadership Letter
The next step in helping workers achieve financial wellness and retirement preparation? Reducing leakage.
By Jack Towarnicky
NQDC
Corporate-Owned Life Insurance (COLI)’s value has been reduced.
By Benjamin R. Eisler and David J. Marshall
Research
PSCA’s 61st Annual Survey results shows that participants are saving enough to be retirement-ready.
Retirement Read(y)
How accurate are average account balances as measurements of retirement readiness?
By Nevin Adams
Washington Watch
Four key issues that could impact your plan in 2019.
By Michael Kreps, David Levine, Diana McDonald, and Brigen Winters

Fall 2018

Administration
Preparation is key — steps employers can take before disaster strikes.
By Jay Kirschbaum and Jack Towarnicky
403(b) Plans
Organizations continue to add plan design features to help improve participant outcomes.
By Hattie Greenan
HSAs
The reality of healthcare costs in retirement and what employers can do to help.
By Karin Rettger and Pat Jarrett
Investments
A twist on the target-date fund approach.
By Ron Surz and Jack Towarnicky
Leadership Letter
Retaining assets in your employer’s plan upon retirement may provide the best protections in retirement.
By Jack Towarnicky
President's Page
Consideration of Environmental, Social, and Governance factors can enhance a DC plan’s investment lineup.
By Robert E. Pike and Matthew W. Sherwood
NQDC
New survey from PSCA demonstrates NQDC plans are key components of competitive benefits packages.
By Hattie Greenan
Retirement Read(y)
Hint: It’s not avocado toast.
By Nevin Adams
Washington Watch
Lawsuits against 403(b) plan sponsors are dismissed.
By Diana McDonald, David Levine, and Brigen Winters

Summer 2018

HSAs
Can sponsors use an automatic enrollment feature common in 401(k) plans to boost participation in HSAs?
Investments
Buyers guide for plan sponsors of defined contribution retirement plans.
Leadership Letter
What are “best practices,” and should you adopt them?
Signature Awards
Winners were announced at PSCA’s 71st Annual Conference in May.
Washington Watch
What are the possible impacts for subjecting tax regulations to OIRA review?

Spring 2018

403(b) Plans
A summary of the results of PSCA’s latest snapshot survey.
HSAs
HSA experts explain the ten most misunderstood Health Savings Account facts.
Investments
Part 2: Considerations of Offering Retirement Income Solutions in the Plan
Leadership Letter
It is possible one very important default decision may have slipped past you.
Research
Data shows increases in participation rate, Roth availability, use of automatic features.
Retirement Readiness
Focus groups with pre-retirees and retirees provides unique insight into retiree behavior.
Washington Watch
An update on legislation to address missing participants and on the RESA act.