News & Analysis as of

Defined Contribution Plans 401k

McDermott Will & Schulte

IRS announces 2026 employee benefit plan limits

McDermott Will & Schulte on

The Internal Revenue Service (IRS) has announced the cost-of-living adjustments to the applicable dollar limits for various employer-sponsored retirement and welfare plans for 2026....more

Gould + Ratner LLP

SECURE Act 2.0: IRS Issues Final Regulations on Catch-Up Contributions

Gould + Ratner LLP on

The SECURE 2.0 Act of 2022 (“SECURE Act 2.0”) makes many changes impacting retirement plans. Among the most significant are changes affecting “catch-up” contributions. The IRS recently finalized regulations relating to these...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

2026 Is Coming — And It’s a Stress Test for Plan Sponsors

2025 has already been a roller coaster for plan sponsors—regulatory change, cybersecurity threats, shifting fiduciary standards. But—brace yourselves—2026 is going to test all the work you thought you had under control....more

Baker Donelson

An Employer's Practical Guide to 401(k) Plan Catch-Up Contribution Changes for 2026

Baker Donelson on

Under the SECURE 2.0 Act of 2022 (the Act), new rules apply to 401(k), 403(b), and governmental 457(b) plans regarding catch-up contributions – the additional elective deferrals ($7,500 in 2025) that employees aged 50 or...more

Ropes & Gray LLP

Flip a Coin?—New Congressional Efforts to Prohibit ESG in ERISA Plan Investment Selection and Proxy Voting

Ropes & Gray LLP on

This year, there has been a continued increase in initiatives promoting an anti-ESG approach to investment selection and proxy voting for ERISA plans. The U.S. Department of Labor (DOL) announced in May that it will no longer...more

Hanson Bridgett

No Delay in Effective Date and Other Key Takeaways from the IRS’ Final Catch-Up Regulations

Hanson Bridgett on

On September 16, 2025, the Internal Revenue Service (IRS) issued final regulations to reflect statutory changes under Section 603 of SECURE 2.0, which generally require that catch-up contributions made by participants in...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

The Merged Assets Mess: Why Reconciliation and 5500 Accuracy Matter More Than Ever

Mergers are great when you’re talking about chocolate and peanut butter. But when you’re talking about merging 401(k) plan assets, it’s not always a smooth combination. Plan mergers, whether due to acquisitions, company...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

The Undiscovered Country: Why 401(k) Plan Providers Must Focus on Participant Outcomes

I’ve always loved the title of Star Trek VI: The Undiscovered Country. In the film, it was used as a metaphor for the uncertain peace between the Klingons and the Federation—this scary, uncharted space that could either unite...more

Groom Law Group, Chartered

This Week From the Hill (November 2 – 8, 2025)

Each week while Congress is in session, our Policy team delivers a key update to highlight a topical benefits, health, or retirement news item from the Hill, such as a newly introduced bill, a summary of a committee hearing,...more

Mayer Brown

The Evolution of Defined Contribution Plan Class Action Litigation in 2025

Mayer Brown on

We are entering the home stretch of a memorable year. While benefits litigation may not be the first thing that comes to mind, it has been a very busy year for ERISA class actions, particularly for defined contribution plans...more

Ropes & Gray LLP

[Podcast] Practical Considerations for Retirement Plan Sponsors Evaluating Alternative Assets in 401(k)s

Ropes & Gray LLP on

On this Ropes & Gray podcast, benefits consulting principal David Kirchner is joined by Sharon Remmer, an ERISA and benefits partner, and Elliot Saavedra, a senior benefits consultant, to discuss the implications of President...more

Pullman & Comley - Labor, Employment and...

Is Your Section 401(k) Plan Ready for Catch-Up Contribution Changes in 2026?

Many employers sponsor Section 401(k) Plans to help employees save for retirement by allowing them to contribute a portion of their pay into the Plan. ...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

Why Every 401(k) Plan Sponsor Needs Policies

When I first started my practice, I thought a 401(k) plan was just a plan document, a custodian, and some mutual funds. Over the years, I realized that the plan is like a baseball team—you can’t just put nine guys on the...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

Retirement Assets Hit Record Highs — But Don’t Get Complacent

The Investment Company Institute reports that U.S. retirement assets bounced back in Q2 2025, setting record highs. That’s good news — but it’s also a reminder to stay sharp....more

Haynes Boone

Retirement Plans 2025 Year-End Action Items

Haynes Boone on

The following non-exhaustive list describes year-end action items and the annual notices for retirement plans, which generally must be distributed within a reasonable time prior to the start of the plan year. For calendar...more

Williams Mullen

PODCAST: Williams Mullen's Benefits Companion - Private Markets, Public Plans: What Sponsors Need to Know

Williams Mullen on

On this episode of Williams Mullen’s Benefits Companion, host Brydon DeWitt talks with Sarah Parker of SageView Advisory Group about the growing interest in private markets within defined contribution retirement plans. They...more

Jackson Lewis P.C.

IRS Issues Final Regulations on Mandatory Roth Catch-Up Contribution Ahead of January 1, 2026 Implementation Date

Jackson Lewis P.C. on

On September 16, 2025, the Department of the Treasury (Treasury) and the Internal Revenue Service (IRS) issued Final Regulations (Treasury Decision 10033) under Section 603 of the SECURE 2.0 Act. Section 603, as enacted,...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

Roth Catch-Up Regulations: What Plan Providers Must Do Now

The clock is ticking. Starting January 1, 2026, the world of catch-up contributions changes in a big way. Thanks to SECURE 2.0 and the IRS’s final regulations, higher-earning participants who want to make catch-up...more

Groom Law Group, Chartered

2025 Retirement Plan Year-End Amendments and Operational Compliance

With the leaves changing colors and the holidays around the corner, it’s time for retirement plan sponsors to review their plan documents to comply with year-end amendment deadlines, confirm operational compliance with...more

Groom Law Group, Chartered

DOL Issues Lifetime Income Guidance for Default Investments

In welcome news for plan sponsors and other fiduciaries considering lifetime income solutions for their defined contribution (“DC”) plans, the Department of Labor (“DOL”) recently issued Advisory Opinion 2025-04A (“AO”) to...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

Retirement Plan Committees and the Ego Problem

Whenever I sit with a retirement plan committee, I can’t help but be reminded of my experiences with nonprofit boards — both as a member and as legal counsel. The dynamics are eerily similar. On paper, everyone is there for...more

Morgan Lewis

US Department of Labor Greenlights Managed Account-Based Lifetime Income Offering

Morgan Lewis on

The US Department of Labor recently issued an advisory opinion clarifying whether a managed account–based lifetime income offering could qualify as a qualified default investment alternative....more

Roetzel & Andress

Get Ready for a Major Change in the Tax Treatment of 401(k) Catch-Up Contributions

Roetzel & Andress on

SECURE Act 2.0 introduces new rules applicable to 401(k) plan catch-up contributions that will take effect in 2026. This Alert provides a brief explanation of catch-up contributions and actions which plan sponsors and...more

Ary Rosenbaum - The Rosenbaum Law Firm P.C.

Advisors: What the 2025 T. Rowe Price DC Consultant Study Means for Your Practice

Let’s cut through the marketing fluff and look at what the 2025 T. Rowe Price Defined Contribution Consultant Study is really telling us, and more importantly, what it means for financial advisors who want to stay relevant,...more

Bond Schoeneck & King PLLC

Plan Sponsors Must Address the Roth Catch-Up Contribution Mandate by January 1, 2026

The Internal Revenue Service has at long last issued final regulations with respect to the Roth catch-up contribution mandate, which was added to the Internal Revenue Code three years ago. The regulations require that 401(k),...more

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