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Retirement

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This note is in response to Trading Pay for Benefits.
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Trading Pay for Benefits
A recent survey indicates an increasing fear among employees that a comfortable retirement may not be in the future. To help assuage that fear -- and the need for some predictability -- HR leaders need to step up their educational efforts and tools, as well as consider some creative benefit strategies.
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Return of the Match
When one organization did more than just restore its 401(k) contribution-matching program after the recession, it found a great retirement-savings program can also be a great retention tool.
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Managing Your DC Plan Can Get You Sued
There are a multitude of ways employers can be sued for their fiduciary responsibilities related to employee retirement plans. Here are some ways they can protect themselves.
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Inspector General Faults PBGC's "Systemic" Failures
Following another report that finds fault with the Pension Benefit Guaranty Corp.'s audit processes and valuation of plan assets, the agency has cut most of its ties with one auditor and has promised to change procedures so that errors are prevented -- or corrected. Critics say it's about time the agency responded to problems.
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A Look Back: At Employee Benefits
HR leaders continued to cope with healthcare-cost increases and the potential fallout of the healthcare-reform law. At the same time, preparing workers for retirement remained a problem.
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Rescuing Retirement
Amid employees' concerns and complaints, employers proceed with efforts to boost 401(k) participation.
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FYI: Retirement
What People Don't Know About Retirement
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An Annual Financial To-Do List
Here are a dozen actions employees can take before the end of this year to enhance their financial well-being.

This article accompanies Rescuing Retirement.
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Retiree Reinsurance Runs Out
A $5 billion fund to help employers pay for early retiree healthcare benefits was depleted well ahead of schedule, but experts say the impact on employers was minimal. Nearly half of the funding went to state and local governments, which have higher numbers of early retirees than the private sector.
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Enhancing Transparency
New regulations make it easier for organizations to offer financial advice to retirement-plan participants as well as require transparency on investment decisions and potential conflicts of interest. The increased disclosures, however, could lead to information overload for the participants, especially those who are not financially sophisticated.
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Equalizing Retirement
Auto enrollment is effective in putting more minorities into their company's 401(k) plans, but employers need to be even more aggressive, by escalating contribution rates, experts say. Otherwise, employees -- especially lower-paid workers -- just won't be able to have money that will last through retirement.
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New Rules Will Have Fiduciary Impact
Next year, new federal rules requiring fee disclosures from 401(k) plan providers make it imperative for companies sponsoring plans to ensure that fees are reasonable. Employers that start preparing now for the new disclosure regime will be ahead of the game.
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Redefining Defined Contributions
Faced with a still-flailing economy and wavering confidence in their job security, millions of U.S. workers are already losing sleep over their financial futures. Proposed changes to reduce current-law tax limits for savings in retirement plans could give them another reason to toss and turn at night -- and is cause for HR leaders to re-examine the design of their organizations' 401(k) plans.
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Protecting Retirement
New research suggests that many employees won't be able to afford even the basics during retirement. What can HR do to help them have a better shot at a comfortable life during their golden years?
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Benefits Column

It appears employers have moved in droves to include voluntary product offerings as part of their overall employee-benefits strategies. Here are a few things to consider as you evaluate the many and varied options out there.
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