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Retirement Planners & Administrators

IRS Plan Audit on the Horizon

Each year, thousands of employee benefit retirement plans are audited by the IRS. The goal is to ensure that plan sponsors are compliant and that documented procedures and policies are in place and up to date. This is actually a very needed and useful oversight to protect the retirement accounts of employees.
The first thing […]

March 10th, 2016|

Did You Know? It’s Time for Your PPA Restatement.

As the year wraps up and you begin making plans for 2015…the PPA Restatement requirement should be at the top of your priority list. The IRS has again announced that it’s time for employers to restate and resubmit their qualified retirement plans, such as 401(k) and profit sharing plans. The deadline for this requirement […]

December 12th, 2014|

Retirement Planning at Any Age: It’s Never Too Early…Never Too Late.

Often, we find ourselves thinking we have plenty of time before we hit retirement age. It can seem so far off that the impact of actually retiring doesn’t register…it doesn’t take priority. Let’s face it…we’re so busy with our current lives that future life events fall to the bottom of our list.

Let’s change that. […]

December 2nd, 2014|

Trying to Save? Check out the new myRA Retirement Savings Plan

You’ve heard it before…it’s time to save for retirement. Choosing the right option isn’t always easy. For example, many small businesses don’t offer employer sponsored savings plans and if they do, the options are limited. Employer sponsored 401(k) and other savings plans typically require employees to contribute a minimum amount each pay period…and let’s […]

November 23rd, 2014|

It’s Not Too Late! 3 Ways to Improve Your Performance Management Process in 2014

Many organizations are approaching the fiscal year-end, and that means employee annual reviews will be due soon. If you’re a bit anxious just thinking about what comes next, you’re not alone.

This is a tough time of year, as managers frantically scramble…sorting through documents, emails and trying to remember performance conversations that have taken place […]

November 17th, 2014|

3 Ways to Re-think Social Recruiting… as Engagement

When we think of social recruiting, we tend to feel a bit overwhelmed at the thought of managing multiple, social platforms and trying to keep up with FB likes, retweets and shares. Just the idea of “multiple, social” invokes feelings of anxiety, fear and the inability to know where to begin. It’s okay, you […]

November 7th, 2014|

New Addition to the RPA Blog!

RPA is happy to welcome new blogger, Rachelle Falls. Rachelle brings a mix of experience ranging from human resources to public relations and social media marketing and will blog weekly on the RPA website. From the latest HR compliance issue that drifted down from Legal, 401(k) and payroll updates or the social media policy […]

November 6th, 2014|

2015 Retirement Plan Limits

On October 23, 2012 the IRS released the 2015 retirement plan limits.  You can also view them here.


Elective Deferrals to 401(k), 403(b), 457(b)

Catch-Up Deferrals to 401(k), 403(b), 457(b)

Defined Contribution Plan 415 Limit (total of all sources)

Annual Compensation Limit

Highly Compensated Employee (HCE)

Defined Benefit Plans (annual benefit, not contribution)


Catch-Up Deferrals to SIMPLE 401(k)/IRA

Top Heavy Key […]

October 23rd, 2014|

Increasing 401(k) and 403(b) Plan Participation

Many workers have seen a significant decline in the value of their 401(k) and 403(b) accounts in recent years not only from investment losses but also from hardship distributions they took in order to pay their mortgage, medical bills or college tuition. That’s why now, more than ever, it’s essential that employees rebuild these […]

October 7th, 2014|

Hardship Withdrawals

401(k) and 403(b) plans have the option to allow in-service distributions before the attainment of age 59½ if the participant can demonstrate financial hardship. The rules for hardship withdrawals vary based on whether or not the plan uses the so-called “safe harbor” rules or the general facts and circumstances test. Hardships withdrawals are only […]

September 23rd, 2014|