Presented by: Update On Your 403b Offering
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- Sophie Doyle
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1 Presented by: Update On Your 403b Offering
2 Today s Agenda About 403b Consultants LLC History and the Future of the 403b Plan Documents Retention and Review Contribution Monitoring Participant Education Audit Support Conclusion, Questions and How to Contact Us
3 About 403b Consultants
4 About Us Who is 403b Consultants LLC? 403b Consultants LLC is an Affiliate of Retirement Plan Consultants LLC CPAs Serving as Your Third Party Administrator Leader in providing retirement plans in the public school districts in the state of Nebraska.
5 History and Future of the 403b
6 History and Future of the 403b 403b lacking regulation and oversight for many years Plan Documents requirements by January 1, 2009 Legislative Update and Upcoming Restatement Submission 4/30/15? IRS Review 5/1/15 4/30/17? Restatements 5/1/17 4/30/19? It is important to have a Third Party Administrator who keeps you informed of current and future legislation
7 Plan Documents
8 Plan Documents Document Retention Record Retention - Keep in a location so it is readily available - Save somewhere safe, electronic back up - Do you know where your Plan Documents are? Understanding the Provisions of the Plan - Specific Provisions are listed in the Adoption Agreement - Summary Plan Description intended for Participant Education Review a Sample Document and Common Provisions
9 Plan Documents Sample Document Eligibility - Is your 403(b) plan available to all eligible employees?
10 Plan Documents Sample Document Does your plan allow Roth and Non-Elective Contributions?
11 Plan Documents Sample Document When may Participants modify/start/stop elections regarding Elective Deferrals?
12 Plan Documents Sample Document Early Retirement Program
13 Plan Documents Sample Document Non-Elective Former Participants
14 Plan Documents Sample Document Distributions
15 Plan Documents Sample Document Are hardships allowed?
16 Plan Documents - Hardship What is considered a Hardship? Un-reimbursed medical expenses of the participant or his/her spouse and dependents Down payment on primary residence Tuition and fees for family higher education needs, and only for the next 12 months Eviction or foreclosure on your primary residence Funeral expenses for you or an immediate family member Expenses for the repair of damage to your principal residence that would qualify for the casualty deduction
17 Plan Documents Sample Document Does your plan allow loans for participants?
18 Planning consideration Elective contributions from the school If the school provides contributions to give the employee a choice between Health or 403b Technically you have a Flexible Spending Plan (a.k.a. 125 plan or cafeteria plan) allows choice between Medical insurance, Medical expenses or Daycare Cash Step 2 is if they elect cash they can defer to a 403b Biggest mistake made Need to have this subject to FICA (social security/medicare tax).
19 Contribution Monitoring
20 Contribution Monitoring Setup in your Payroll Software to assist tracking 2014 Contribution Limits Maximum Elective Deferral $17,500 Possible Additional Catch-Up Contribution $ 5,500 (for 50 years and older)
21 Participant Education
22 Participant Education - New Employees All Employees Should Receive 1. Enrollment Form Retain a copy to setup in payroll Send a copy (electronic, fax or mail) to Recordkeeper 2. Summary Plan Description Obtain an Enrollment Form from All Employees Even when they do not want to participate as proof that you offered the plan
23 Participant Education Sample Form
24 Audit Support
25 Audit Support Third Party Administrator should be readily available to assist with a 403b audit Key Items in an Audit Written Plan Document And make sure it matches what you are doing Plan Eligibility and Offered to Employees Participant Education Contribution Monitoring and Processing
26 Conclusion, Questions and How to Contact Us
27 Conclusion Retain Plan Documents in an easy to access area Make sure you are doing what your document says Universal Availability Notice to All Employees Consider using Intranet, new employee and annual employee orientation material Employee education meetings If you don t understand your plan, ask your provider to explain it.
28 Conclusion Any Questions? How to Contact Us Website Call us:
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