Resources from Fidelity Investments
401(k)
The State of Company Contributions—Plan Size MattersRecent economic turbulence—marked by recession and market volatility—has put plan sponsors under increased pressure to find a balance between supporting employees' retirement savings goals and maintaining their companies' fiscal health.
Improved Market and Increased Contribution Rates Continue to Drive 401(k) Balances HigherWe are now seeing participants becoming much more mindful of and engaged in their financial future, while the trend of increasing savings levels continues. Recent analysis of Q1 2012 data shows that average 401(k) balances rose to $74,600 at the end of the first quarter, up 8% from the end of the fourth quarter of 2011.
Five Ways to Help Employees Close the Estimated Income GapOur new retirement research reveals a potential income gap that employees would need to fill upon retirement. Here's what you can do to help them get back on track.
Average Retirement Savings Account Balances Top $212,000Providing a more comprehensive view of Americans' retirement savings, based on 18 million 401(k) and IRA accounts held at Fidelity, new analysis shows a combined average balance of $212,600. Investors on the verge of or in retirement – between 65 and 69 – have a combined average balance of $359,000.
Redefining Retirement.Learn how Fidelity continues to look for innovative ways to help America's workforce reach a state of financial wellness by working with them to manage both their short- and long-term financial goals.
How Did Participants Fare in 2011?Overall, participants fared well in 2011: savings levels increased, employers contributed more to employee accounts, and the majority of participants did not panic and stayed the course with their asset allocation.
Top 7 Insights of 2011As we look to the challenges of the new year, we have identified seven key themes and lessons learned from 2011 that may help evolve your total HR/benefits strategies in 2012 and beyond.
Did Washington Get It Right with the PPA?On the fifth anniversary of this landmark legislation, new data show improved benefits security for many working Americans.
403(b)/401(a)
Defining Excellence: A Report on Retirement Readiness in the Not-for-Profit Healthcare IndustryCovering one quarter of the healthcare market, this new retirement study highlights best practices in optimizing plan design, investment diversification, and employee engagement—an industry first.
Survey: Nurses Feeling Secure About Their Jobs, But Not RetirementRead a new study showing that while nearly 79% of nurses feel secure about their jobs and their financial future, 71% reveal they do not feel they are saving enough for retirement.
Adapting to the Fiduciary LandscapeLearn how to stay on top of your fiduciary responsibilities.
Case Study: El Camino HospitalRead our case study on how vendor consolidation results in simplified investment choices, reduced administrative workload, and higher participation rates.
ERISA versus Non-ERISA 403(b)Learn about the differences and considerations that should be evaluated when making the appropriate decision between ERISA and non-ERISA 403(b) plan designs.
BENEFITS CONSULTING
Fidelity Benefits Consulting — Offering Realistic Solutions and Measureable ResultsRead an overview about Fidelity's Benefits Consulting capabilities and find out how our team of professionals can help bring your benefits program to the next level.
DEFINED BENEFIT
What Employees Don't Know About Pension PlansRead Fidelity's survey revealing that many employees lack a basic understanding of their DB plans.
FIDUCIARY
Fiduciary Reference GuideReview this comprehensive resource for understanding your fiduciary duties.
Fiduciary RoadmapLearn more about plan sponsor activities and action steps that can help you manage your specific fiduciary responsibilities.
HEALTH & WELFARE
The Increasing Cost of Health Care upon RetirementFidelity estimates how much the average 65-year-old couple retiring in 2012 will need to cover medical expenses throughout retirement.
Taking a Closer Look at Health ExchangesPrivate vs. public exchanges? Not so fast. Before planning an exchange strategy, plan sponsors need to address overriding health care cost challenges. Funding comes first, not exchanges.
Five Action Steps for Health ImprovementFidelity and the National Business Group on Health conducted their third annual survey to identify key trends and issues in health improvement and wellness incentives. Learn more about the five action steps framework to help employers maximize the effectiveness of these important programs.
Health Care Reform Survey: Getting Comfortable with UncertaintyLearn more about a recent Fidelity survey identifying the need for plan sponsors to create both short- and longer-term strategies to combat the uncertainties of health care reform.
Health Care Reform Strategies: To Grandfather or Not?Learn about the pros and cons of grandfathering your plan in as a result of health care reform and the ever-changing regulatory environment.
Wellness Program RxRead about key considerations for designing a wellness program. Find out how to help improve employee awareness, participation, and adherence, and how to assess results.
HDHPs: Healthy, Wealthy, and WiseFind out why high-deductible health plans (HDHPs) continue to show promise as plan sponsors seek ways to reduce costs and engage employees in managing their health.
HEALTH SAVINGS ACCOUNTS
FSAs, HRAs, and HSAs — Now More Critical to Your Health Care StrategyWith costs rising, employers are offering health-based accounts to help employees save for both short-term and post-retirement health care. Read the report that helps employers sort out the many options — now made more complex by health care reform.
Does HSA Participation Help or Hinder DC Savings?Learn how participating in HSAs can positively impact defined contribution savings, as employees are saving even more to pay for future health care needs.
INFORMATION SECURITY
Heading Off Cyber Threats: Fidelity Earns ISO 27001 CertificationNearly 15,000 workplace plan sponsors and their 21 million participants continue to be protected through Fidelity's information security technologies and recently earned ISO 27001 certification.
INVESTMENTS
A Framework for Designing the Optimal Investment LineupLearn about some investment lineup frameworks that plan sponsors should consider and why they are important part of any plan design.
Fidelity Freedom Funds® VideoWatch a video about Fidelity Freedom Funds,® a set of lifecycle retirement funds that offer automatic, professional asset allocation help to employees.
Viewpoints on Fidelity.comSee Fidelity's latest market and economic insights, investing ideas, and personal finance perspectives.
NONQUALIFIED PLANS
10 Advantages of Nonqualified PlansNQ plans can play an important role in improving the ability to recruit and retain executive talent. Learn about advantages of these plans and how participants are saving more for retirement.
REGULATORY & LEGISLATIVE
Fee Disclosure RegulationsProtect your retirement plan from risk and get our perspective on emerging legislation. See what our experts think. Read More
Super Committee to Consider Increasing PBGC PremiumsAs the Super Committee begins its hard task of achieving $1.2 trillion in budgetary savings over the next 10 years, one item that seems to be on the table is increasing plan sponsor premiums paid to the Pension Benefit Guaranty Corporation (PBGC).
STOCK PLAN SERVICES
StockSense NewsletterRead the latest issue of the quarterly newsletter from Fidelity Stock Plan Services.
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