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September 2010 :::
FAQ of the Moment
What is the 401(k)/403(b) deferral limit? What is the Social Security Taxable Wage Base?
September 2010 :::
FAQ of the Moment
Do Highly Compensated Employees (HCEs) have to wait for non-discrimination testing to file their individual tax returns?
September 2010 :::
FAQ of the Moment
What is Automatic Enrollment?
September 2010 ::: FAQ of the Moment
Are Roth 401(k) contributions allowed?
September 2010 ::: FAQ of the Moment
How does PPA 2006 affect my 401(k) Plan?
September 2010 ::: FAQ of the Moment
What is a Safe Harbor Plan?
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September 2010 ::: 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.
September 2010 ::: 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.
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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.
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Calculators
Loan
Calculator
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 or quarterly. You can then examine
your principal balances by payment, total of all payments
made, and total interest paid.
Retirement Planner Calculator
Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your social security benefits up to, but not over, the maximum.
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Forms
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.
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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
Nationwide
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
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Hartford
Sample Hartford Life Enrollment Meeting
Play the Meeting
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