In 2013, an American Express survey indicated that 60% of small business owners were not saving sufficiently for retirement. An additional 13% said they were worried about being able to maintain their lifestyle after retiring. As worrisome as this is, the situation for employees is even worse. In a recent study by the Schwartz Center […]

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Since inception, BenefitGuard’s mission has been to help solve America’s retirement problem. We’ve attempted to do this by creating a high-service, low-cost, and conflict-free 401(k) offering for businesses of all sizes. While we have seen great success with this solution, the retirement problem goes beyond 401(k)s and investment vehicles. Put simply, Americans aren’t saving nearly […]

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[A version of this article first appeared on FiduciaryNews.com. Once logged in to that site, you can view it here.]   Whether you are a plan sponsor or the participant who is saving for retirement, you are likely to have a question or two when it comes to 401(k) plans. Here are a few of […]

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The holiday season is a wonderful time to spend with family and friends. The spirit of giving that surrounds the holidays can serve to strengthen these relationships and bring people closer. Unfortunately, this same spirit of generosity can bring with it the temptation to spend more than you’re comfortably able. If you find yourself wanting […]

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BenefitGuard’s core mission is to provide a solution to the retirement problem in the United States.  Through our unique 401(k) offering, we provide the means to resolve certain key factors contributing to the epidemic shortfall in retirement savings; however, there remain a variety of financial decisions outside of direct retirement savings, which affect not only […]

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The 401(k) industry is complex. With a mixture of rules and regulations that are written and enforced by more than one government organization, there are a plethora of complications that can arise. Every year, 401(k) plans around the country are subject to government non-discrimination and coverage testing. Because the U.S. Government offers substantial tax benefits […]

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We all know that it’s important to create and maintain a solid company culture by offering benefits to employees and future hires. Deciding to implement a 401(k) plan into the company’s benefits package is a great place to start, but many company owners and executives initially shy away from establishing a 401(k) plan because they […]

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401(k) plans can be complex due to the number of service providers required to make a plan run. This typically includes your Recordkeeper, TPA, Custodian, Advisor, Broker, Auditor, and Plan Fiduciaries.  After outlining the roles of these service providers in a previous article, we had a few clients request a breakdown more specifically on plan […]

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