Browsing Tag
401(k) Participants
219 posts
A 401(k) participant is an employee who is enrolled in their employer’s 401(k) retirement savings plan. Participants can contribute a portion of their wages to the plan, often with pre-tax dollars, and may receive matching contributions from their employer. They have the ability to choose from various investment options, and their account grows tax-deferred until retirement. Participants have rights under ERISA, including access to plan information and protections against mismanagement. They may also take distributions or loans under certain conditions, such as retirement, hardship, or job change.
Tenured Academic Elites Wrong on 401ks, Again
401(k)s aren’t perfect. If it comes as a shock you’re in the wrong business. A paper released at…
Top 5 Movie, Television Quotes for Awful 401(k) Advice
We turn to celluloid heroes to save the world, fall in love, triumph over adversity—so why not for…
Depressing Election Year? Here’s what 401(k) Participants Should Know
Presidential elections have inspired numerous stock market theories, and these can distract 401(k) investors as they try to…
Do 401ks Contribute to ‘Income Inequality?’
Sociologists are getting in on the action, claiming that the shift to defined-contribution retirement plans, such as 401(k)…
What ‘Financial Happiness’ Means to Today’s 401k Participants
Conquering the world? Slaying financial dragons? Forget it. Americans today would rather have enough to live happily than…
3 Realities of 401(k) Financial Wellness Programs
Learn how to implement effective financial education programs for employees, addressing financial illiteracy and poor spending habits.
How Quickly Are 401(k) Plan Participation Rates Rising?
A recent report form Wells Fargo found that 401(k) participation has increased by 19 percent during the last…
Social Security Chief Says America in ‘Retirement Crisis’
Looming retirement crisis? It’s already here, at least according to Carolyn Colvin, the Acting Commissioner of Social Security.…
401(k) ‘Auto-Portability’ Goes to Washington
The next big 401(k) issue to hit Washington lawmakers could be auto-portability. On June 8, 2016 Retirement Clearinghouse…
The Best Place in the World for 401k Participants to Retire
Where should your clients retiree? Boca? Please …Scottsdale? Not a chance. Believe it or not, the beachfront Algarve region…