The last piece of major legislation impacting retirement plans was the Pension Protection Act of 2006. 尽管近年来有正规的购彩app下载提出立法, 所有这些都没有成功通过, 尽管两党支持. 在当前的国会会议上, retirement bills have been introduced in both the Senate [Retirement Enhancement and Savings (RESA) Act] and the House [Setting Every Community Up for Retirement Enhancement (SECURE) Act]. These two proposed bills are very similar with respect to their key provisions. Due to the bipartisan support and the general agreement about solutions to help enhance retirement security for Americans, there appears to be more optimism that legislation will be passed this year.
Some of the key objectives of the bills include increasing coverage and savings, 减少计划发起正规的购彩app下载的成本和管理负担, 促进终生收入选择. 这将通过:
- Making it easier for companies to participate in Multiple Employer Plans (MEPs).
目前，存在着法规遵从障碍，限制了MEPs的使用. The proposed legislation would make it easier for companies to band together in a MEP. 另外, 这将为欧洲议会议员提供更多的机会来降低成本, 参与公司的行政负担和受托正规的购彩app下载风险. The changes could give small companies currently not sponsoring a plan an opportunity to participate in a MEP, or give companies currently sponsoring a plan an opportunity to terminate their plan in favor of participating in a MEP.
- Addressing matters that have hampered the use of lifetime income options 计划参与者.
Lack of portability has been a core contributing factor in the limited use of such investment options (typically insurance products). The proposals would allow transfers of these options to another employer-sponsored plan or IRA; this would enable participants to preserve the investment and avoid surrender charges and other fees.
- Creating a fiduciary safe harbor for the selection of lifetime income providers.
The safe harbor would provide fiduciaries protection with respect to the selection of insurers and liability for any losses due to the insurer’s failure to meet its obligations. The lack of such a safe harbor has prevented sponsors from offering these income options.
这些提议中的法案还有很多. 如果和当立法通过, it will be worthwhile evaluating the final provisions to determine how your plan can take advantage of any new opportunities. 根据提议的法案, 机会可能与降低成本有关, 计划发起正规的购彩app下载的行政负担和受托风险, 以及改进计划功能, 因此结果, 计划参与者.