Our View

Call Centers in the Cloud

Written By Doug Sheffer

With the recession behind us, call center usage is on the rise. During the recession companies looked to cut costs to protect their assets. In looking for cost benefit savings often customer support centers became expendable as they were viewed as more of an expense than an asset. Now with the recession behind us and thanks to continued improvements in technology companies are starting to explore call center solutions once again.

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Retirement Plan Service Providers – When the Cheapest Option May Not Be the Least Expensive

Written By Mike Szyperski

Recent regulations related to fee disclosure have prompted a renewed focus on the amount plan sponsors are paying for services related to their retirement plans. When choosing a service provider, or "shopping around" to determine if their current fees are reasonable, plan sponsors may be tempted to give considerable weight to the cheapest option. Often overlooked, however, are the costs associated with utilizing an inferior service provider such as poor plan design or inaccurate compliance testing.

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Are Recent Rising Interest Rates Impacting Your Retirement Decision?

Written By Todd Strada

In the last few years of the current economic rebound, the Federal Reserve has taken numerous actions to help keep our economy from going back into its 2008 swoon. One such measure, referred to as "quantitative easing", is an unconventional monetary policy used by central banks to increase money supply and stimulate the national economy. With this policy, interest rates have stayed consistently lower than they were prior to 2008.

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I am an INVESTMENT ADVISOR who provides a plan sponsor with a menu of investment alternatives. Am I an investment advice fiduciary?

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I am a PLAN SPONSOR HR TEAM MEMBER and answer questions from plan participants about distribution options. Am I an investment advice fiduciary?

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I am the PLAN SPONSOR – Does the new investment advisory rule mean I should do something?

 

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I am a PLAN SPONSOR HR TEAM MEMBER and I design the materials for new employees about the plan and investment options. Am I an investment advice fiduciary?

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NextGen Health Care Delivery: Exploring Telemedicine and Transparency

Written By Nancy Pokorny

On April 19, 2013, nine employers gathered with Findley Davies to hear from innovative health care companies HealthSpot and Castlight Health to learn how their approaches to telemedicine and cost transparency are changing health care as we know it. What was different about this NextGen Health Care Delivery discussion was the make-up of the audience.

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Unexpected Shocks Leave Retirees Without Adequate Income

Written By Mark Ohnsted

Last winter I was watching my nephew run across the carpet and his response to a static shock he received. There was of course pain and crying as a result of the static charge leaving his body. He immediately ran to his mother with the probable expectation that she would make the pain go away. As my sister tried to explain to a four year old the physics behind static electricity, I chuckled to myself not so much at the possibility that my sister may have thought she had a young Benjamin Franklin sitting on her lap, but that he would repeat this event for the remainder of his life – metaphorically speaking of course.

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Delivering Executive Compensation in Tax-Exempt Organizations

Written By Marc Stockwell

The tax-exempt sector represents a diverse mix of service-based organizations consisting of health care organizations, charitable/human services organizations, private foundations, trade associations, and rural cooperatives. These organizations compete for the best leadership talent by offering a unique and compelling value proposition that includes a balance of mission served, performance challenges, engagement of diverse stakeholders, and competitive compensation.

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Is it Time to Update Your Pension Plan's Lump Sum Threshold?

Written By Blaine Brickhouse

In general, defined benefit pension plans must provide benefits in the form of a joint and survivor annuity unless both the participant and the participant's spouse agree, in writing, to another form of payment. An exception to this requirement, if provided by the plan, is for lump sums below $5,000.

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