Revitalizing the falling 401(k) system: What discretionary trustees offer that directed trustees do not

Article Abstract:

A critical perspective of the employee directed 401(k) plans, during the 1990s, that were assumed to produce higher savings over traditional and defined benefit plans, but in reality, camouflaged the actual problem, is presented. The final conclusion drawn was, most Americans are saving too little and generating insufficient investment returns to finance desired retirements. In this context, the role of the employer/plan sponsor, an analysis of the 401(k) plans and the core issues underlying it, the role and functions of a discretionary trustee, and the need for tougher and stricter regulations to make these plans work, are presented.

Employee Loan & Savings Plans, Evaluation, Salary reduction savings plans, 401K plans, Discretionary trusts

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Killing the golden goose: proposed nonqualified deferred compensation reforms would greatly impact executive deferred compensation

Article Abstract:

A non-qualified deffered compensation plan is the one that provides for deferral of compensation other than a qualified employer plan. Bills are proposed regarding nonqualified deffered compensation reforms that could take time for its final approval.

Qualified benefit plans, Deferred compensation

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Who's killing defined benefit pension plans?

Article Abstract:

The present rules and regulations of defined employee pension plans in the United States are criticized.

Government expenditures, Economic policy, Simplified employee pensions

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