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5 Ways to Cut your Healthcare Costs
Healthcare costs are a growing concern across the United States. But are you evaluating all of the ways to pocket just a little extra money and trim down some of your expenses? Below you’ll find 5 strategies you can try to make healthcare costs seem less daunting. Use in-network providers when possible An in-network provider…
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How Successful Plan Sponsors Address Basic Responsibilities and Standards
Basic Fiduciary Responsibilities and Standards Prudence and Process – the Two Pr’s The ERISA application of fiduciary duty and prudence is much more stringent than the common law understanding. An ERISA fiduciary must act as a prudent expert in his or her applicable area of discretion over the plan – using the care, skill, prudence,…
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How Successful Plan Sponsors Identify Plan’s Fiduciaries
Identifying Your Plan’s Fiduciaries The Employee Retirement Income Security Act of 1974 (ERISA) has a clear set of responsibilities and duties for those individuals and entities who act as plan fiduciaries. It is important that plan sponsors and fiduciaries take these requirements seriously and understand their own responsibilities as well as those of the other…
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Fee Benchmarking for Retirement Plans Made Easy
A topic that we get asked about a lot is how to understand the true cost of a retirement plan, and then how to compare that cost to the market. This is not just a “nice to know” kind of thing; it is fundamental to the role of a plan fiduciary under ERISA. Why should…
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Investment Options for Your HSA
What is the #1 barrier to early retirement for many? Healthcare! Health insurance is the main reason folks aren’t retiring as early as they otherwise would like to. While there are plenty of healthcare options (albeit pricey ones) for those on the brink of retirement, what can those that are 10+ years out do now…
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The Basics of ESOP Repurchase Obligations
In ESOPs that hold non-publicly-traded stock, when an active employee elects to diversify or a former employee requests a distribution, because there is no ready market for the stock, employer stock is sold and payment is made to the participant in cash. This obligation on the part of the company or the ESOP to repurchase…
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Conrad Siegel Launches Financial Wellness Program
Personalized Online Tools Empower Plan Participants to Find Financial Balance Harrisburg, PA – April 9, 2019 – Conrad Siegel, delivering comprehensive employee benefits and investment advisory services, has launched a Financial Wellness Program, a series of interactive, online educational tools designed to help plan participants get their finances in shape. Conrad Siegel’s Financial Wellness Program…
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How to Communicate the VALUE of your ESOP!
An Employee Stock Ownership Plan (ESOP) is a popular road to employee ownership for many organizations, but is often misunderstood by plan participants, which tends to diminish the effect the ESOP can have on a company’s culture. How should you as a plan sponsor communicate the value of the ESOP to your employee-owners, to better…
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Understanding ESOP Plan Provisions
Once you have some insight on the basics of an ESOP it’s time to gain an understanding on more of the details, ESOP plan provisions. Distribution Timing Distribution Options Diversification Rights Have ESOP questions? Contact our team!
