Woulda, Coulda, Shoulda?
If only we followed through on everything, what would life be like? It’s hard to know, but this much is sure: business owners who never get around to cybersecurity insurance will regret it the…
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Career Path: Ladder Vs Pogo Stick?
Protected by ERISA, which is now fifty years old, company sponsored retirement plans came of age when employees aimed to work up the ladder within a business, and retire securely, after a good climb….
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New Jersey-New York: Uh-Oh?
As states across the country grapple with how to ensure “infrastructure resiliency” in the face of climate change, decision making, project planning and regulatory debate is heating up in New Jersey and New York….
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Tag, You’re It?
Every business owner wants to make money while running a thriving company. Innovation? Sure, that too. Unfortunately, as risk management experts point out, cyber criminals have similar goals: making as much money as possible…
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Allegations Dismissed: Defense!
Clarity in plan documents regarding the use of forfeitures has proven to be a solid defense for plan sponsors, as lawsuits alleging that it is a misuse to pay future employer contributions from forfeitures…
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Access Vs Participation?
In the 20 years between 2003 and 2023, what significant progress has been made related to employer sponsored retirement plans? Some thought leaders point out that the answer can best be found through solid…
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ERISA and Fiduciary Liabilities?
The Employee Retirement Income Security Act opened the doors for employers to offer 401k plans to employees. ERISA’s robust standards, aimed at ensuring all plan decisions are made in the best interest of participants,…
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Perks: Shiny New Vs Tried and True?
Small businesses looking to attract and retain committed employees may be trying too hard to offer nifty sounding new perks while overlooking classics, like a 401k. In fact, surveys reveal that employers tend to…
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Updated Cybersecurity Guidance
The Department of Labor has issued updated cybersecurity guidance, and confirmed that the protocols are applicable to all plans covered by the Employee Retirement Income Security Act (ERISA). Attorneys are advising fiduciaries to implement…
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