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Is Your Plan Actually Top-Heavy? Common Triggers and Tests
Every year, plan sponsors are required to perform a top-heavy test as part of their annual compliance. It’s common for plan sponsors to misunderstand what that means or underestimate the potential costs of not knowing their plan’s status.
2 min read
Understanding Cross-Testing Profit-Sharing Plans: Why Allocation Percentages Differ Among Employees
Qualified retirement plans like 401(k), profit-sharing, and safe harbor plans are valuable tools for business owners seeking to retain talent and reduce tax liability.
2 min read
Joy Hodgson Earns ASPPA Cash Balance Specialist (CBS) Certification in Retirement Plan Services
CRI TPA Services is proud to announce that Joy Hodgson, Chief Operating Officer, has earned the Cash Balance Specialist (CBS) designation from the American Society of Pension Professionals and Actuaries (ASPPA).
1 min read
Catching Up on Retirement Savings: The New Super 401(k) Catch-Up Limit
With National Financial Awareness Day approaching, plan sponsors often seek ways to highlight valuable plan features to their participants. The new Super Catch-Up provisions present an excellent opportunity to engage your 60-to-63-year-old employees in maximizing their retirement savings.
2 min read
Love Your Beneficiaries This Valentine’s Day: A Gift That Truly Lasts
Take a moment this Valentine’s Day to update your retirement beneficiaries and ensure your loved ones are financially protected.
2 min read
Catch-Up Contribution Changes for Ages 60-63: New Limits Starting 2025
Starting January 1, 2025, the SECURE 2.0 Act introduces higher catch-up contribution limits for individuals aged 60-63, offering a unique...
1 min read
Automatic Enrollments-Getting Started
Preparing for the SECURE 2.0 Act’s automatic enrollment requirements is essential for 401(k) plan sponsors.
1 min read
Leveraging Forfeitures for Enhanced Retirement Plan Management
In a climate marked by the relentless surge of inflation, fluctuating interest rates, and the ever-mounting expenses associated with...
2 min read
Maximize the Benefits of Mandatory Cash-Out Options
As part of the ongoing administration and management of qualified plans, the concept of mandatory cash-out options assumes a critical...
3 min read
Understanding ADP/ACP Compliance Testing: Employee Salary Deferrals and Employer Match Contribution
In the realm of retirement planning and 401(k) management, ensuring compliance with the Actual Deferral Percentage (ADP) and Actual...
3 min read
Rehired Employees: Navigating the Eligibility and Vesting Guidelines in a 401(k) Plan
In the current climate characterized by labor shortages, organizations are increasingly opting to rehire former employees. These...
2 min read
Plan Documents: Amendments and Restatements
A Defined Contribution (DC) plan is a business retirement plan and most often refers to 401(k), Profit Sharing, and Solo-(k) plans. DC...
2 min read
Plan Documents: Cycle 3 Restatement FAQs
Plan Restatements A plan restatement means the plan document is re-written in its entirety. Every six years, the IRS requires...
2 min read
What You Should Expect From Your TPA Vendor When it Comes to Cybersecurity
As cybercrimes continue to increase, more employers are requiring their third-party administration vendors to have a comprehensive...
2 min read
What Does a Cash Balance Plan Mean for You?
Back to the Basics Often described as a “hybrid arrangement,” cash balance plans are a specific type of defined benefit plan. When a cash...
4 min read
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