What's New - June 2016


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[6/30/16] Xerox Corporation FYI®: “Brexit: What It Is and Its Impact on Retirement Plans

[6/30/16] Wells Fargo: Driving Plan Health -- 2016

[6/30/16] Center for Retirement Research at Boston College’s Squared Away Blog: “401(k) Investment Options: Less is More

[6/30/16] Human Resource Executive Online: “Searching for Symbols of Trust -- Trust in retirement-savings providers is at an all-time low. So how can organizations help their employees ratchet up the financial courage needed to make the right choices for their futures?

[6/30/16] Willis Towers Watson Insider: “Pension Risk Increases Slightly for WTW Pension 100 in 2016

[6/30/16] Bank of America Merrill Lynch Workplace Insights™: “No Stone Unturned -- Best practices for benefit plans during a merger or acquisition.

[6/30/16] InvestmentNews: “Litigation schedule set for suits against DOL fiduciary rule -- The plaintiffs and Labor Department are seeking summary judgment for the cases in a Dallas federal court, with a decision possible in October

[6/30/16] Internal Revenue Service: “New Determination Program Rev. Proc. 2016-37

[6/30/16] HealthPayerIntelligence: “High-Deductible Health Plans Dominate Employer Offerings

[6/30/16] Wolters Kluwer Law & Business: “Large employers’ ACA response strategies keeping health insurance costs stable

[6/30/16] Altarum Institute: “Seven Things Business Leaders Should Know (and Do) About Health Care

[6/29/16] The Vanguard Group: How America Saves 2016 [Small Business Edition]: 2016 Vanguard Retirement Plan Access™ supplement to How America Saves

[6/29/16] The Motley Fool: “Here’s How Much the Average American Has in an IRA, Sorted by Age -- Is your IRA account balance above or below the average of your peers?

[6/29/16] PolitiFact: “Hillary Clinton says American 401(k)s lost $100 billion after Brexit vote

[6/29/16] NerdWallet (via USA Today College): “Class of 2016: Here’s how to set up your first 401(k)

[6/29/16] Nasdaq: “How to Master Your 401k in Your 60s

[6/29/16] Willis Towers Watson Insider: “DOL Issues Final Fiduciary Rule on Investment Advice

[6/29/16] PCMag.com: “How Apps Can Help (and Hurt) Your Finances

[6/29/16] The Washington Post [Wonkblog]: “Americans are shouldering more and more of their health-care costs

[6/29/16] PlanSponsor: “HSA Contributions Lowest by Participants Who Need Them Most

[6/29/16] The Wall Street Journal: “How Telemedicine Is Transforming Health Care -- The revolution is finally here--raising a host of questions for regulators, providers, insurers, and patients

[6/29/16] Bloomberg BNA: “Express Scripts, Anthem Face ERISA Lawsuit Over Drug Pricing

[6/29/16] Brookings: “5 takeaways from the 2016 Medicare trustees report

[6/28/16] U.S. News & World Report: “Target-Date Funds Help Investors Stay the Course

[6/28/16] Human Resource Executive Online [Blog]: “Retirement Planning: The Gender Gap Persists

[6/28/16] NAPA Net: “Industry Preps for DOL Fiduciary Rule

[6/28/16] PlanSponsor: “Court Moves Forward Great-West ERISA Suit -- A federal judge has certified as a class action a case regarding Great-West Life & Annuity Insurance Company’s handling of a guaranteed income fund for retirement plan participants.

[6/28/16] Voya Financial: “Record Retention Requirements for ERISA Plans

[6/28/16] National Center for Health Statistics: “Expenditures on Complementary Health Approaches: United States, 2012

[6/28/16] Kaiser Health News: “States Offer Privacy Protections to Young Adults on Their Parents’ Health Plan

[6/28/16] Center for American Progress: Calculating the Hidden Cost of Interrupting a Career for Child Care

[6/27/16] Investment Company Institute: “Retirement Assets Total $24.1 Trillion in First Quarter 2016

[6/27/16] PlanSponsor: “Brexit Impact for Retirement Savers

[6/27/16] The Motley Fool: “Here’s Why You’ll Likely Retire Long After Today’s Average Retirement Age -- Delaying retirement could become the new normal.

[6/27/16] PwC: 2016 Health and Well-being Touchstone Survey results

[6/27/16] Center for Retirement Research at Boston College’s Squared Away Blog: “Too Much Health Plan Choice is Costly

[6/27/16] TheStreet: “Here Is What Your Health Care Actually Costs Each Year

[6/27/16] Kaiser Health News: “When Out-of-Network Doctors Offer Services At In-Network Hospitals, Patients Pay the Price

[6/27/16] Health Affairs [Blog]: “Health Spending Growth: Still Facing a Triangle of Painful Choices

[6/27/16] Xerox Corporation [Blog]: “HSA: Engaging Young Employees with Health Savings Accounts

[6/27/16] Hinshaw & Culbertson LLP: “Paid Sick Leave Is Coming to Chicago: Mark Your Calendars for July 1, 2017

[6/24/16] Associated Press (via ABC News): “House Upholds Obama ‘Fiduciary Rule’ on Retirement Savings

[6/24/16] Bloomberg BNA: “Lawmakers Ask GAO to Probe Central States Fund Finances

[6/24/16] CFO.com: “Three Ways to Add 401(k) Plan Value

[6/24/16] Lawton Retirement Plan Consultants: “Ten 401(k) Plan Design Best Practices

[6/24/16] CNBC: “66 million Americans have no emergency savings -- Gen Xers fare the worst.

[6/24/16] Retirement Income Journal: “Vanguard funds continue to dominate asset flows: Morningstar” [Note: A subscription may be required to view the full article.]

[6/24/16] Aon Hewitt: “Under-Saved and Underprepared: Women Face Challenges Saving for Retirement

[6/24/16] InvestmentNews: “Retirement calculators show ‘dramatically different’ results -- Studies show publicly available retirement calculators shouldn’t be taken at face value

[6/24/16] International Foundation of Employee Benefit Plans: “ACA--Employers May Not Love It But Don’t Support Repeal

[6/24/16] Xerox Corporation FYI®: “IRS Wellness Program Etiquette -- Don’t Double Dip

[6/24/16] Health Care Attorneys P.C.: “Five Common Mistakes Employers Are Making with the Affordable Care Act

[6/24/16] Kaiser Health News: “Filling a Prescription? You Might Be Better Off Paying Cash

[6/23/16] PlanSponsor: “Senators Want to Help Participants Find Old DC Accounts -- The Retirement Savings Lost and Found Act aims at simplifying the process of first locating and then consolidating abandoned defined contribution plan accounts.

[6/23/16] U.S. Senate Committee on Health, Education, Labor and Pensions, Subcommittee on Primary Health and Retirement Security: Hearing titled “Small Business Retirement Pooling: Examining Open Multiple Employer Plans” [Hearing held June 21, 2016, includes links to witness testimonies]

[6/23/16] CFO.com: “Passive Aggression -- Why 401(k) plan sponsors’ motivations for switching to passive investment vehicles could run afoul of ERISA.

[6/23/16] 401(k) Specialist: “Why Most 401(k) Plans Don’t Offer ETFs

[6/23/16] Segal Consulting: Multiemployer Plans Are Predominantly “Green”: Survey of Plans’ Zone Status [Spring 2016]

[6/23/16] Prudential Financial: The Ease of Automation and Guaranteed Lifetime Income: What participants want from their defined contribution plans [Note: The white paper can be downloaded at the website.]

[6/23/16] Social Security and Medicare Boards of Trustees:

[6/23/16] U.S. House of Representatives, Task Force on Health Care Reform: A Better Way: Our Vision for a Confident America -- Health Care

[6/23/16] PwC’s Health Research Institute: “Medical Cost Trend: Behind the Numbers 2017

[6/23/16] Becker’s Hospital Review: “Health insurance costs could cost workers a raise

[6/22/16] Center for Retirement Research at Boston College: The Funding of State and Local Pensions: 2015-2020 [Note: The full brief can be downloaded at the website.]

[6/22/16] Internal Revenue Service: Deferred Compensation Plans of State and Local Governments and Tax-Exempt Entities; Notice of proposed rulemaking and notice of public hearing [as published in the Federal Register on June 22, 2016 - SUMMARY: This document contains proposed regulations prescribing rules under section 457 of the Internal Revenue Code for the taxation of compensation deferred under plans established and maintained by State or local governments or other tax exempt organizations. These proposed regulations include rules for determining when amounts deferred under these plans are includible in income, the amounts that are includible in income, and the types of plans that are not subject to these rules. The proposed regulations would affect participants, beneficiaries, sponsors, and administrators of certain plans sponsored by State or local governments or tax-exempt organizations that provide for a deferral of compensation. This document also provides a notice of a public hearing on the proposed regulations. DATES: Written or electronic comments on these proposed regulations must be received by September 20, 2016. Outline of topics to be discussed at the public hearing scheduled for October 18, 2016 at 10 a.m. must be received by September 20, 2016.]

[6/22/16] PlanSponsor: “Participants Stuck With the Markets in 2015

[6/22/16] CNBC: “The ABCs of 401(k) retirement savings plans: DIY vs. TDFs

[6/22/16] U.S. Senate, Special Committee on Aging: Hearing titled “Closing the Gap: Innovations to Promote Americans’ Financial Security” [Hearing held June 15, 2016, includes links to witness testimonies]

[6/22/16] The Motley Fool: “Here’s How Much Extra You’d Have in Retirement If You Saved 1% More -- A little extra savings can go a long way when compounded over time.

[6/22/16] Kaiser Health News: “Long-Awaited GOP ‘Replace’ Health Plan Offers Broad Outline, Few Financial Details

[6/22/16] BuzzFeed, Inc.: “Workers May Soon Have to Share Health Data -- Or Pay a Penalty

[6/22/16] Future of Health Care: “The Art and Science of Wearable Well-Being Tech

[6/22/16] U.S. Departments of Labor (EBSA), Health & Human Services (HHS), and the Treasury: FAQs about Affordable Care Act Implementation (Part 32): Notice of Coverage Options--COBRA and Health Insurance Marketplace Coverage

[6/22/16] International Foundation of Employee Benefit Plans: “Workplaces Fight Against High Prescription Drug Costs

[6/22/16] FMLA Insights: “Chicago Poised to Pass the Latest Employee Paid Sick Leave Law, Following the Lead of other Cities, States

[6/22/16] Mercer/Signal: “Will the ‘Gig’ Workforce Drive New Normal for Benefits?

[6/22/16] The Economic Times: “Nine incredible perks companies like Google, Facebook offer to employees

[6/21/16] Society for Human Resource Management: 2016 Employee Benefits: Looking Back at 20 Years of Employee Benefits Offerings in the U.S. [20th Anniversary Edition]

[6/21/16] U.S. Equal Employment Opportunity Commission: Sample Notice for Employer-Sponsored Wellness Programs

[6/21/16] U.S. Equal Employment Opportunity Commission: Questions and Answers: Sample Notice for Employees Regarding Employer Wellness Programs

[6/21/16] Gallup: “In U.S., Healthcare Insecurity at Record Low

[6/21/16] USA Today: “Kaiser: Your doctor will see you now -- in this telemedicine kiosk

[6/21/16] Business Insurance: “Second opinions fan out for improved results

[6/21/16] ReadWrite: “Can wearables empower patients despite doctors’ skepticism?

[6/21/16] CBS MoneyWatch: “Health care premiums will rise, so what can you do?

[6/21/16] Pension Benefit Guaranty Corporation:

[6/21/16] Investors.com: “More Are Saving For Retirement, But It May Not Be Enough

[6/21/16] Pew Research Center: “More older Americans are working, and working more, than they used to

[6/17/16] CFO Research and Prudential Financial: A Rising Interest in Outsourcing Benefits Administration

[6/17/16] ADP: “Large Employers Adjusting Benefits Strategies Due to Affordable Care Act Mandates

[6/17/16] Human Resource Executive Online [Blog]: “The Benefits That Employees Like Best

[6/17/16] American Health Policy Institute and Pacific Business Group on Health: Medical Network and Payment Reform Strategies to Increase Health Care Value

[6/17/16] NAPA Net: “Ways and Means Okays Bill to Boost HSA Limits

[6/17/16] CNBC: “Health savings accounts: a second retirement plan

[6/17/16] ICI Research Report: “Defined Contribution Plan Participants’ Activities, 2015

[6/17/16] FedSmith.com: “TSP Envy: Congress Eyes a TSP for More Americans

[6/17/16] Ramsey Solutions: Millennials and Retirement: Surprising Insights on America’s Youngest Workers [Note: The full study, press release, and infographics are available for downloading at the website.]

[6/17/16] HRBenefitsAlert.com: “The next 401(k)? Why student loan repayment may soon be a standard benefit

[6/17/16] The ESOP Association Blog: “ESOPs: More Than a Retirement Plan

[6/16/16] U.S. Census Bureau: 2015 Survey of Public Pensions: State & Local Data

[6/16/16] Transamerica Center for Retirement Studies®: The Current State of 401(k)s: The Employer’s Perspective -- 16th Annual Transamerica Retirement Survey

[6/16/16] Vanguard: “Your plan: A retirement ‘home’ for your participants?

[6/16/16] PlanSponsor: “SSGA Seeking Sponsors for Mandatory Retirement Plan Bill -- The investment firm is meeting individually with Senators and Congressmen on its new national policy proposal.

[6/16/16] USA Today: “401(k) rollover advice about to get better but more complicated

[6/16/16] The Frugal Fiduciary Blog: “Safe Harbor 401k Plans: Answers To Common Questions

[6/16/16] Institute for HealthCare Consumerism: “Private Exchange Implementation: 10 Best Practices

[6/16/16] Workforce: “Health Savings Accounts: the New 401(k) -- Getting employees to think about retirement savings is important, but so is thinking about saving for health costs down the road.

[6/16/16] Center on Budget and Policy Priorities: “Legislation Would Dramatically Expand Health Tax Shelters for High-Income Earners

[6/16/16] WorldatWork: Paid Time Off Programs and Practices: A Report by WorldatWork

[6/15/16] U.S. Bureau of Labor Statistics The Economics Daily: “Employee benefits cost employers $10.70 per hour in March 2016

[6/15/16] National Association of State Retirement Administrators: Spotlight on Significant Reforms to State Retirement Systems

[6/15/16] Center for Retirement Research at Boston College’s Squared Away Blog: “More Retirees Get Less Satisfaction

[6/15/16] PlanSponsor: “Third Time’s a Charm in Lehman Brothers Stock Drop Suit -- In its third visit to the 2nd Circuit, an Employee Retirement Income Security Act (ERISA) lawsuit was decided in favor of Lehman Brothers.

[6/15/16] Kaiser Family Foundation Issue Brief: “Analysis of 2017 Premium Changes and Insurer Participation in the Affordable Care Act’s Health Insurance Marketplaces

[6/15/16] Physicians for a National Health Program: “High cost sharing for low-value services may increase overall health care spending

[6/14/16] NAPA Net: “House GOP Outlines Pieces of Retirement Security Agenda

[6/14/16] U.S. News & World Report: “How Your 401(k) Balance Stacks Up -- See how your retirement savings compares to other workers earning a similar salary.

[6/14/16] NAPA Net: “Auto Designs Continue to Gain Ground -- With Some Plans

[6/14/16] The Motley Fool: “The Average American Retiree’s Dependence on Social Security and Pensions, in One Chart -- The numbers will surprise you, and underscore how important it is for you to start saving now.

[6/14/16] PlanSponsor: “Many Retirees Not Taking Advantage of Delaying Social Security -- Four in 10 Americans age 50 or older plan to take Social Security before full retirement age

[6/14/16] ProducersWEB: “Financial literacy key part of retirement preparedness

[6/14/16] Federal News Radio: “TSP tips: When safe is sorry

[6/14/16] Bloomberg BNA: “Uptick in Fee Litigation Reshaping 401(k) Industry

[6/14/16] Health Affairs [Blog]: “Obama Administration Acts to Stabilize Marketplaces, Implement Expatriate Coverage Legislation (Updated)

[6/14/16] CNBC: “How Digital Technology Is Changing the Landscape of Health Care

[6/13/16] Milliman 100 Pension Funding Index: “Milliman Analysis: Funded status improves in May due to rising corporate bond discount rates and investment gains

[6/13/16] Bloomberg BNA: “Treasury Working to Make Rollovers to Plans Easier

[6/13/16] Internal Revenue Service: Recovery of Investment in the Contract from Payments Received from a Qualified Defined Benefit Plan by an Employee During Phased Retirement [Notice 2016-39]

[6/13/16] Employee Benefit Adviser: “Shift to defined benefit health plans still ‘a steep climb’

[6/13/16] MiBiz: “Insurers embrace telemedicine to offer convenient services, cost savings

[6/13/16] Health Affairs [Blog]: “How Patient Groups Have Begun to Influence the Value and Coverage Debate

[6/13/16] CBS MoneyWatch: “How unexpected medical bills can ruin your finances

[6/13/16] Internal Revenue Service: “Online Tools Help Individuals and Employers Estimate Health Care Law’s Effect on Taxes” [IRS Health Care Tax Tip 2016-55, June 9, 2016]

[6/13/16] Kaiser Family Foundation Issue Brief: “ACA Coverage Expansions and Low-Income Workers

[6/13/16] Human Resource Executive Online: “A Talk Before They Walk -- Recent research finds more than half of organizations are conducting ‘stay interviews’ or planning to do so in the near future. How do these chats differ from exit interviews, when should they take place and what should they entail?

[6/10/16] U.S. Bureau of Labor Statistics: “Employer Costs for Employee Compensation - March 2016

[6/10/16] Bank of America Merrill Lynch Workplace Insights™: “Plan Wellness Scorecard [For period ending December 31, 2015]

[6/10/16] PlanSponsor: “DC Retirement Plan Sponsors Paring Down Investment Options

[6/10/16] CNBC: “Demystifying the 401(k) plan investment process

[6/10/16] U.S. Senate: Graduate Student Savings Act of 2016 [Sponsored by Senators Elizabeth Warren and Mike Lee]

[6/10/16] NAPA Net: “Two More Suits Challenge Fiduciary Regulation

[6/10/16] Reuters (via CNBC): “New Jersey top court sides with state in high-stakes pension case

[6/10/16] Bipartisan Policy Center: Securing Our Financial Future: Report of the Commission on Retirement Security and Personal Savings

[6/10/16] PlanSponsor: “Mercer Offers Health Benefit Insights to Employers -- A series of whitepapers address concerns for small and mid-size employers.

[6/10/16] Employee Benefit Adviser: “Why HSA contributions are becoming as important as a 401(k) match

[6/10/16] Benefitfocus [Blog]: “3 Ways to Boost HSA Participation for Millennials

[6/10/16] Kaiser Health News: “Even With The Health Law In Place, Costs Keep Going Up

[6/9/16] The Vanguard Group: How America Saves 2016: Vanguard 2015 defined contribution plan data [15th Anniversary Edition]

[6/9/16] USA Today: “Obama vetoes attempt to undo retirement savings rule

[6/9/16] NAPA Net: “What Will - and Won’t - Change for Plan Sponsors with the Fiduciary Rule

[6/9/16] Seeking Alpha: “Company Stock In Your 401(K)? Don’t Make My Costly Mistake

[6/9/16] Employee Benefit Adviser: “Should employers be required to disclose population health outcomes?

[6/9/16] HRBenefitsAlert.com: “IRS: Here’s how to handle the tax treatment of wellness rewards

[6/9/16] Kaiser Family Foundation: Key Facts on Health and Health Care by Race and Ethnicity

[6/9/16] Transamerica Center for Health Studies® Survey: Millennial Survey: Young Adults’ Healthcare Reality

[6/9/16] U.S. Department of Labor, Office of the Secretary: Agency Information Collection Activities; Submission for OMB Review; Comment Request; Summary Plan Description Requirements Under the Employee Retirement Income Security Act of 1974, as Amended; Notice [as published in the Federal Register on June 9, 2016 - SUMMARY: The Department of Labor (DOL) is submitting the Employee Benefits Security Administration (EBSA) sponsored information collection request (ICR) titled ‘‘Summary Plan Description Requirements Under the Employee Retirement Income Security Act of 1974, as Amended,’’ to the Office of Management and Budget (OMB) for review and approval for continued use, without change, in accordance with the Paperwork Reduction Act of 1995 (PRA), 44 U.S.C. 3501 et seq. Public comments on the ICR are invited. DATES: The OMB will consider all written comments that agency receives on or before July 11, 2016.]

[6/9/16] The Wall Street Journal: “The Fundamentally Different Goals of the Affordable Care Act and Republican ‘Replacement’ Plans

[6/8/16] Chief Investment Officer: “LDI’s De-Risking Dominance

[6/8/16] Rockefeller Institute of Government, State University of New York: Public Pension Funding Practices: How These Practices Can Lead to Significant Underfunding or Significant Contribution Increases When Plans Invest in Risky Assets

[6/8/16] State Street Global Advisors: Moving the Coverage Needle: Towards a National Framework to Address Retirement Access and Coverage

[ 6/8/16] Kiplinger: “Missing Pensions Costly to Retirees -- Think you’re owed a pension, but no check is in the mail? Here’s how to track down your benefits.

[6/8/16] NBC News: “The 401(k) Mistakes That Could Cost You a Bundle

[6/8/16] PlanSponsor: “70% of Employees Not Price Shopping for Health Care -- Only 29% of health benefit plan sponsors offer a price comparison tool, a survey finds.

[6/8/16] North Bay Business Journal: “3 ways health savings accounts help you stash cash for retirement

[6/8/16] The Commonwealth Fund: “Looking Under the Hood of the Cadillac Tax

[6/8/16] INFORUM: “Money Talk: Negotiate hard, don’t pay ‘sticker price’ for health care

[6/8/16] Employee Benefit Adviser: “Why employees don’t opt for life insurance benefits

[6/6/16] Willis Towers Watson Insider: “Vermont becomes fifth state to enact paid sick leave law

[6/6/16] The Commonwealth Fund Issue Brief: “Promoting Value for Consumers: Comparing Individual Health Insurance Markets Inside and Outside the ACA’s Exchanges

[6/6/16] FierceHealthPayer: “Insurer-driven price negotiation makes dent in cancer care cost growth

[6/6/16] Pension Benefit Guaranty Corporation: Mergers and Transfers Between Multiemployer Plans; Proposed rule [as published in the Federal Register on June 6, 2016 - SUMMARY: This proposed rule would amend PBGC’s regulation on Mergers and Transfers Between Multiemployer Plans to implement section 121 of the Multiemployer Pension Reform Act of 2014. The proposed rule would also reorganize and update the existing regulation. DATES: Comments must be submitted on or before August 5, 2016.]

[6/6/16] NAPA Net: “Average 401(k) Balances Blossomed in May

[6/6/16] 401(k) Specialist: “How Long Will 401(K) Participants Really Have To Work?

[6/6/16] NBR.com: “Folks are satisfied in retirement: Study

[6/6/16] Brookings: “Should Congress raise the full retirement age to 70?

[6/3/16] American Psychological Association: 2016 Work and Well-Being Survey

[6/3/16] Human Resource Executive Online: “Relieving the Student-Loan Burden -- College students entering the workplace are saddled with between $28,000 and $37,000 of student-loan debt. But as more employers are beginning to realize, the scope of the problem extends well beyond that group.

[6/3/16] Proskauer’s ERISA Practice Center Blog: “New EEOC Regulations Provide Roadmap for Wellness Programs

[6/3/16] Vox.com: “Unpaid, stressed, and confused: patients are the health care system’s free labor

[6/3/16] USA Today: “5 facts you didn’t know about Medicare

[6/3/16] PlanSponsor: “First State-Run Retirement Plan for Private-Sector Set to Launch -- Washington State will open its plan on January 1, 2017.

[6/3/16] NAPA Net: “And Connecticut Makes Four…

[6/3/16] Leader’s Edge: “Savings Bond -- Failure of Workers to Adequately Fund Their Retirement Creates Opportunities for Brokers to Teach Their Clients How to Help Their Employees Help Themselves.

[6/3/16] FEDweek: “Study Underscores Value of Long-Time Investing

[6/3/16] TheStreet: “Job Hoppers Accrue Less Money in 401(k) Accounts

[6/3/16] U.S. News & World Report: “12 Cities Where Most Workers Don’t Have a 401(k)

[6/3/16] Retirement Income Journal: “Pension buy-out volume up 21% in first quarter” [Note: A subscription may be required to view the full article.]

[6/3/16] Vox.com: “President Obama’s huge reversal on Social Security is a big win for liberals

[6/3/16] Bloomberg QuickTake: “Entitlements: Why the U.S. Can’t Keep Costs Down

[6/2/16] Internal Revenue Service: “Five Facts about the Small Business Health Care Tax Credit” [IRS Health Care Tax Tip 2016-54, June 1, 2016]

[6/2/16] RSM US LLP: “IRS says certain wellness programs do not save taxes -- Benefits provided are subject to FICA and income taxes

[6/2/16] U.S. Bureau of Labor Statistics: “Share of total spending on healthcare increased from 5 percent in 1984 to 8 percent in 2014

[6/2/16] The Commonwealth Fund: “Beyond UnitedHealthcare: How Are Other Publicly Traded Insurers Faring on the Marketplaces?

[6/2/16] Health Affairs [Blog]: “The Sessions-Cassidy Bill: An ACA Alternative Spelled Out in Legislative Language

[6/2/16] America’s Health Insurance Plans [Blog]: “Taking the Guessing Game Out of Disability Income Insurance

[6/2/16] The Pew Charitable Trusts: How States Are Working to Address the Retirement Savings Challenge -- An analysis of state-sponsored initiatives to help private sector workers save

[6/2/16] 401(k) Specialist: “5 ‘Must-Haves’ To Consider When Outsourcing 401(K) Recordkeeping Services

[6/2/16] NAPA Net: “It’s On! Litigation Filed Challenging DOL Fiduciary Regulation

[6/2/16] Bloomberg: “Obama Urges Social Security Increase in Preview of Campaign Role

[6/1/16] HR Daily Advisor: “Cash vs. Benefits? Show Us the Money, Say Workers

[6/1/16] CBS MoneyWatch: “The many benefits of Health Savings Accounts

[6/1/16] Enterprise Innovation: “Healthcare wearable devices revenues to reach $18.9B by 2020

[6/1/16] National Center for Policy Analysis Health Policy Blog: “Obamacare Exchange Average Premium Hike 16 Percent Next Year

[6/1/16] PlanSponsor: “DC Plans Add Value for Employees -- DC plans have a material and positive impact on employee retirement savings behavior and outcomes, PLANSPONSOR’s 2016 Participant Survey indicates.

[6/1/16] NAPA Net: “What Are the Biggest Problems with 401(k) Loans?

[6/1/16] USA Today: “Why today’s stock volatility shouldn’t scare retirees

[6/1/16] Pension Benefit Guaranty Corporation: 2014 Data Book


What's new at EBRI this month:

EBRI 2016 Spring Policy Forum: "Employee Engagement in Health and Retirement Challenges and Reforms" [“gavel-to-gavel” webcast - Prerecorded broadcast available through the International Foundation of Employee Benefit Plans]

EBRI's Recent Media Coverage

“EBRI Now on Twitter” [EBRI Press Release, 2/6/09]

Change in Average Account Balances (by Age and Tenure)


April 2016 EBRI Issue Brief - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2014"

April 2016 EBRI Notes - "Trends in Retirement Satisfaction in the United States: Fewer Having a Great Time"

April 2016 EBRI Notes - "What Moves the Retirement Readiness Needle: Quantification of Risk and Evaluation of New Proposals"


What's new in employee benefits:

The following items have been added to the Government Accountability Office's Web site in Portable Document (PDF) format:

Retirement Security: Low Defined Contribution Savings May Pose Challenges.
GAO-16-408, May 5. Highlights.

Retirement Security: Shorter Life Expectancy Reduces Projected Lifetime Benefits for Lower Earners.
GAO-16-354, March 25. Highlights.

Retirement Security: Better Information on Income Replacement Rates Needed to Help Workers Plan for Retirement.
GAO-16-242, March 1. Highlights.

Small Employer Health Tax Credit: Limited Use Continues Due to Multiple Reasons.
GAO-16-491T, March 22. Highlights.


If a title link above no longer works, click here for the GAO home page and search for the report by keyword or report number. Click here to browse by date, topic, or agency.  

If your computer does not already have the free Adobe Acrobat viewer software to read PDF files, click here for the one-time download necessary to read PDF publications.



Updated 6/30/16