January 2019 ::: FAQ of the Moment

What is the 401(k) contribution limit?

January 2019 ::: FAQ of the Moment

What is Automatic Enrollment?

January 2019 ::: FAQ of the Moment

Are Roth 401(k) contributions allowed?

January 2019 ::: FAQ of the Moment

How does PPA 2006 affect my 401(k) Plan?

January 2019 ::: FAQ of the Moment

What is a Safe Harbor Plan?

January 2019 ::: News

The Department of Labor and the Internal Revenue Service mandates that all eligible employees be notified of their right to participate in your company's retirement plan. They must be given written information about the plan and must complete and sign an enrollment form indicating whether or not they will be participating in the plan.

Remember, Employer Contributions must be made by the due date of your corporate tax returns on extension to be tax deductible.

January 2019 ::: News

The Department of Labor (DOL) is taking a very firm position that employee 401(k) salary deferrals and employee loan repayments must be transferred from the Employer to the Plan’s Investment Trust as soon as administratively feasible. The DOL has said that their definition of "as soon as administratively feasible" is the same day that the Employer makes payment of an employee’s payroll.


Investment Account Information

Accessing Your Account with Your Investment Company.
If you are currently a participant with investments located at Nationwide, Hartford, ING (formerly Aetna), American Funds, or John Hancock New York, click here to find out how to access your account either online or by telephone.



401(k) Savings with Profit Sharing
A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. First, all contributions and earnings to your 401(k) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, some employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you can not afford to pass up.

Alternative Payment Frequencies
Use this calculator to determine your payment or loan amount for different payment frequencies. You can make payments weekly, bi-weekly, semi-monthly, monthly, bi-monthly, quarterly, semi-annually or annually. You can then examine your principal balances by payment, total of all payments made, and total interest paid.



Participant Distribution and Beneficiary Forms
If you would like to process a distribution, including a participant termination loan, hardship, or in-service distribution, click here to access the forms. Please check with your employer to make sure the distribution you want is permitted from the plan.



NASD Participant Education Tool

The NASD recently released a participant education tool for participants in 401(k) qualified retirement plans. You can find this tool on the NASD web site by clicking the link below.

Open 401(k) education tool



Sample Nationwide Financial Enrollment Meeting

** After clicking on the download link, choose to 'Run' the file and follow the prompts to install the presentation. The download will take approximately 10 minutes using a high speed connection.

Play the English Meeting

Play the Spanish Meeting




Sample Hartford Life Enrollment Meeting

Play the Meeting





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