The Future of Retirement Plans: Variable Benefit (VB) Plans

Written by Matt Klein, FSA, EA

Companies have a menu of qualified retirement plan options to consider. Most companies, however, think the menu only has two choices: Defined Benefit (DB) Plans and Defined Contribution (DC) Plans. Cash balance plans have gained some traction, especially among small businesses, as a hybrid design between the two traditional pillars. However, the cash balance design can carry just as many minuses of the traditional DB and DC plans as pluses. You will gain an understanding of how Variable Benefit Plan risk-sharing is best from both the employer and the employee perspectives, including minimizing fees. 

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