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ESPP Loans Can Make 401(k) Plan Loans Less Attractive

Employee Stock Purchase Plans can reduce 401(k) plan loans, a prominent money management firm says. Fidelity Investments found that employees are less likely to take out a loan from their 401(k) account if their company also features an employee stock purchase plan. Employee funds held in these often-discounted stock plans, which are increasingly seen as […]

Cafeteria Plans Can Help Employers Avoid Pay-or-Play Penalties

Employer contributions to a Section 125 cafeteria plan can be deducted from the employee’s cost of a health plan for purposes of determining the affordability of coverage, final IRS rules on minimum essential coverage published on Nov. 26 (79 Fed. Reg. 70464) stipulate. In order to be deducted, the café plan benefit must not be […]

The 7 Steps to Launch and Maintain a Great Wellness Program

Ryan, who recently shared her expertise in a webinar presented by BLR® and HR Hero®, is a certified Worksite Wellness Program Consultant and serves as Chair of the Board of Directors of the Worksite Wellness Council of Massachusetts.

Will Annuities Make Their Way Into Defined Contribution Plans?

Defined contribution plans do not typically include an option that provides a lifetime stream of income for participants, as pension participants and beneficiaries could rely on in years past. With the switch to DC plans from traditional defined benefit plans, the federal government is very concerned about plan participants having a secure retirement. As a […]