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What Does a 401(k) Committee Do?

What Does a 401(k) Committee Do?

How a 401(k) committee can support with plan success. Who is making sure that your retirement plan works for you, your company, and your employees? That’s the job of your 401(k) committee! From compliance to employee education, the committee helps tailor the plan to fit your team’s needs. Let’s explore the essential tasks and responsibilities your 401(k) committee will focus on to help maintain an effective, compliant, and competitive plan. Who should be on the 401(k) committee? Typically, a 401(k) committee includes leaders from HR, finance, and upper management. These members act as fiduciaries, meaning they are legally required to…

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Compliance Deadlines and Reminders: Q1 2025

Compliance Deadlines and Reminders: Q1 2025

Stay ahead of deadlines with help from our annual Compliance Calendar. If you have any questions about deadlines or information requested, please contact us to review today! Download the Calendar 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase…

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Understanding the Investment Menu in Your Company’s 401(k) Plan

Understanding the Investment Menu in Your Company’s 401(k) Plan

As a business leader overseeing your company's 401(k) plan and understanding the investment menu's intricacies can play a significant role in shaping your employees' retirement outcomes. In our comprehensive guide, we explore different ways to evaluate and improve your current offerings. We discuss innovative ideas for assessing your plan’s asset allocation strategies and provide recommendations for creating an effective investment line-up.   Download the 401(k) Investment Menu Guide   102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it…

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Securing Retirement Futures: Strategies to Address Delayed Retirement

Securing Retirement Futures: Strategies to Address Delayed Retirement

Does your 401(k) plan design support “on time” retirement?   Delayed retirement is becoming increasingly common among Americans, impacting employers’ bottom lines, talent acquisition cycles, and overall productivity. A recent survey found that one in four employees anticipate working beyond their initially planned retirement age, and 9% fear they may never be able to retire.[1] This data supports a longer-term trend: since the early 1990s, rising labor force participation among older workers has lifted the average retirement age in the United States by three years.[2] Impact of delayed retirement on employers These findings have important implications for employers. While retaining…

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Complete Financial Checklist

Complete Financial Checklist

Regularly reviewing finances is essential. As a retirement plan sponsor, encourage your employees to use an annual financial checklist. Get their families involved for added benefits. Making small adjustments yearly can boost confidence and financial well-being. Empower your employees to take small steps that can make a huge impact, reinforcing that proactive annual adjustments promote confidence and well-being for their financial futures. Download Employee Education 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied…

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Mastering Business Transformation: Key Strategies for Small Business Owners with Jen Goldman

Mastering Business Transformation: Key Strategies for Small Business Owners with Jen Goldman

Welcome back to The Entrepreneur’s Journey! In this week’s episode, host Michael Pallozzi dives into a compelling conversation with business transformation expert Jen Goldman. Known for her work in helping small businesses thrive rather than just grow, Jen shares insights from her own entrepreneurial journey, which began with humble roots and has blossomed into a mission of empowering small business owners to find long-term success. This episode is packed with strategies for building financial clarity, establishing work-life balance, and making tough decisions that align with a business’s core values. Jen’s journey, as she explains to Michael, was driven by her…

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Understanding the Investment Menu in Your Company’s 401(k) Plan

Understanding the Investment Menu in Your Company’s 401(k) Plan

As a business leader overseeing your company's 401(k) plan and understanding the investment menu's intricacies can play a significant role in shaping your employees' retirement outcomes. In our comprehensive guide, we explore different ways to evaluate and improve your current offerings. We discuss innovative ideas for assessing your plan’s asset allocation strategies and provide recommendations for creating an effective investment line-up. Download the 401(k) Investment Menu Guide   HFM Investment Advisors, LLC. 856-232-2270 401kteam@hfmadvisors.com 102 West High Street Suite 200, Glassboro, New Jersey 08028 HFM Investment Advisors, LLC is a registered investment adviser. The information presented is for educational purposes…

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Plan Design & Administration

Plan Design & Administration

As we approach the end of the year, consider these important topics regarding your retirement plan. The newsletter covers information that can help the efficiency and compliance of your plan. Here's a brief overview: Retirement plan reviews Addressing retirement plan errors Strategies to address delayed retirement Read the full newsletter   HFM Investment Advisors, LLC. 856-232-2270 401kteam@hfmadvisors.com 102 West High Street Suite 200, Glassboro, New Jersey 08028 HFM Investment Advisors, LLC is a registered investment adviser. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of…

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5 Common Retirement Plan Errors and Tips to Fix

5 Common Retirement Plan Errors and Tips to Fix

Mistakes happen–Here’s how to correct common 401(k) plan errors.   Navigating the intricate rules and regulations that govern employer-sponsored retirement plans may seem overwhelming at times. Even the most diligent plan sponsors encounter retirement plan errors. In fact, it’s not unusual to discover a plan failure or error, especially after the 401(k) plan testing season is over. The costly impact of retirement plan errors Plan sponsor compliance errors can be costly. The Employee Benefits Security Administration (EBSA) restored over $1.4 billion to employee benefit plans, participants, and beneficiaries in FY 2023.[1] A majority of the investigations resulted from self-reported administrative…

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Retirement Plan Review: From Participation Rates to SECURE 2.0

Retirement Plan Review: From Participation Rates to SECURE 2.0

Gain actionable insights for optimizing efficiency and compliance through strategic plan analysis.   It’s no secret that when you conduct a retirement plan review, you have a chance to understand the data and trends, which can help your plan be efficient and compliant. To set your plan up for success and see if changes are needed, it's important to make the most of this analysis. Here are some key components to focus on.   Your plan’s current participation rate One piece of the plan health puzzle is your current 401(k)’s participation rate as it is a key signal of the…

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