Downloadable Content

Three Pillars of Wellness: Mental, Physical, and Financial Guide

Three Pillars of Wellness: Mental, Physical, and Financial Guide

As the seasons change, employees may need a check-up from their employers to make sure they are in good health!

Wellness and self-care during the winter months are especially important. The mental, physical and financial wellness of your employees can directly affect their productivity and the workplace culture. Here is a roundup of action items they can take to improve their overall wellness as the seasons change!

Annual Retirement Plan Checklist

Annual Retirement Plan Checklist

As a plan sponsor, you are responsible for keeping your plan in compliance with government regulations.

One of the important areas of compliance involves the many documents that are part of plan administration. These documents must be in writing and kept at your fingertips in case you need to refer to them. On top of having copies of the documents in your file cabinet, you must understand and closely follow them.

Here is our “just the basics” Annual Retirement Plan Checklist for fiduciaries. This cheat sheet will help you better understand your fiduciary duty and the documents to keep on hand.

Q1 2021 Guiding Light Retirement Newsletter

Q1 2021 Guiding Light Retirement Newsletter

Does fiduciary plan governance look different in 2021? Our quarterly newsletter touches on fiduciary plan governance topics to help you stay informed on what has changed or requires action this year:

  • The Importance of a retirement plan committee and annual reviews
  • ERISA updates: 5 big changes plan sponsors need to know
  • Think green: e-disclosures

Download the Newsletter to learn more.

2021 Compliance Calendar for 401(k) Plans

2021 Compliance Calendar for 401(k) Plans

Everyone loves the compliance deadlines that should be met every year. To help you stay ahead of the curve with important deadlines and filings, Download our complementary 2021 Compliance Calendar.

If you have any questions about deadlines or information requested, please contact us to review today!

Seeking, Finding and Consolidating Your Accounts

Seeking, Finding and Consolidating Your Accounts

The average person has 12 jobs during the course of their career. That’s a lot of jobs — and a lot of 401(k) accounts!

Around 25 million Americans have left money behind in an old 401(k) when leaving a job. It’s possible that your current employees have missing 401(k) accounts. However, you can guide and help them with consolidating their accounts.

Help make your employees lives a little easier by sharing this useful infographic about seeking, finding and consolidating their accounts!

Missing Participants End of the Year Clean Up

Missing Participants End of the Year Clean Up

If you have missing participants in your company's 401(k) plan, the first step in locating them is to get your plan in order. By cleaning up your plan, you will be able to identify the participants and then take the necessary steps to locate them.

This easy-to-use checklist can help you take control of former employees and your missing participant problem.

Q4 2020 Guiding Light Retirement Newsletter

Q4 2020 Guiding Light Retirement Newsletter

With 2021 approaching fast, it’s time to start thinking about end-of-year initiatives to thrive in the “new normal” and keep your company’s retirement plan on track.

Our newsletter covers strategic topics such as missing participants, understanding and staying the course during volatile markets, refreshing plan documents, as well as new ideas for 2021.

Household Budgeting Worksheet

Household Budgeting Worksheet

When employees have proper financial wellness education, they can develop the mindset to see the long-term impact of their savings decisions. It all starts with something as simple as budgeting, the cornerstone of good financial habits.
Share this ‘Ultimate Household Budgeting Worksheet’ with your employees to help them learn more about their spending habits, identify their wants and needs, and begin to prioritize savings.

401(k) Matching Formulas That Could Boost Participation Without Breaking the Budget

401(k) Matching Formulas That Could Boost Participation Without Breaking the Budget

Offering a retirement plan shows your employees that you are committed to helping them save for their future. A matching formula is a great way to give a little bit more to your employees and increase contributions!
There are many matching formulas that can boost contributions and won’t break your bank or budget. Here are three to consider:
• Safe Harbor
• Graded Vesting
• Cliff Vesting

In this guide, you will gain insights about these three formulas, their advantages and eligibility requirements.

Q3 Guiding Light Retirement Newsletter

Q3 Guiding Light Retirement Newsletter

The first half of this year has been like nothing we have ever seen before --from record high employment to record unemployment, stimulus packages, the CARES Act, and of course the pandemic itself! As a plan sponsor, you have been thrown into the mix of adjusting and adapting to all the changes regarding your retirement plan. We can understand how challenging it has been to keep up, managing employees working from home, and trying to move forward as a company.

This is why our Q3 newsletter focuses on managing and measuring your retirement plan and financial wellness initiatives.

3 Savings Best Practices

3 Savings Best Practices

We’ve all heard the golden rule of personal finance, “Pay yourself first.” It means putting money into savings before you do anything else. We all often need a light nudge to go the extra mile to save, and The Beacon Group is here to help! That's why we are sharing this infographic outlining three ways to stay on track with your savings.

How a Financial Wellness Program Can Improve Company Culture

How a Financial Wellness Program Can Improve Company Culture

Financial wellness programs can deliver significant benefits for both employers and employees. Their positive impact can result in a happier, healthier workforce and a more profitable, productive business. Here are five ways financial wellness potentially benefits your company culture:

Getting Your Ducks In a Row: Documents Adults Need

Getting Your Ducks In a Row: Documents Adults Need

While we firmly believe life is meant to be lived, we also know that it’s important to have peace of mind in the event of an emergency. We’ve put together a detailed checklist to help you organize your life. Here's the Top 4 Important Documents Adults Need but don’t have.

Keeping Your Plan Data Safe

Keeping Your Plan Data Safe

Cybersecurity is a critical but often overlooked aspect of a plan sponsor’s fiduciary responsibility. In simple terms, cybersecurity means protecting sensitive plan and participant data against attacks from hackers and cyber criminals.
This Plan Sponsor Guide outlines some key questions you should be asking your 401(k) service providers about cybersecurity.

Q2 Guiding Light Retirement Newsletter

Q2 Guiding Light Retirement Newsletter

With finances being the number one stressor, offering a financial wellness benefit can help!

This quarter, we’ll be sharing our insights and best practices through the following topics:

  • 5 Steps to Create a Financial Wellness Program
  • The Link Between Employee Productivity, Health, and Financial Stress
  • Four Ways to Help Reduce Financial Stress for Your Employees

Download the Newsletter to learn more.

5 Employment Law Trends Business Owners Must Know

5 Employment Law Trends Business Owners Must Know

Each year, new laws are passed at the federal, state, and local levels of government that all employers must comply with, or face fines, lawsuits, and/or other penalties. Additionally, existing laws are routinely amended, creating even more compliance challenges for business owners to keep up with.

To help you better understand some of the biggest trends in employment legislation and compliance, we put together this E-Book that highlights 5 topics all business owners must know.

Q1 2020 Guiding Light Retirement Newsletter

Q1 2020 Guiding Light Retirement Newsletter

The start of a new year is a great time to review your fiduciary governance process and confirm that your fiduciary priorities have been set. Preparing for the unexpected can be a delicate balancing act, but it is vital for the organized plan administration!

Our Q1 2020 Lift Retirement Newsletter covers the following topics to help you manage your fiduciary plan governance:

  • Thinking About Changing 401(k) Providers? Five Things You Should Know
  • 10 Steps to Help You Handle a DOL Audit
  • Managing Risk: Do’s and don’ts for your company’s retirement plan committee

8 Steps Towards Managing a More Compliant 401(k) Plan

8 Steps Towards Managing a More Compliant 401(k) Plan

Many HR professionals and plan sponsors aren’t holding their plan to high enough standards, as is evident by the slew of 401(k) lawsuits we’ve seen over the years. That’s why we developed this white paper loaded with eight helpful steps to guide you towards managing a more compliant 401(k) plan.

The Perfect Storm for America's Retirement Plans

The Perfect Storm for America's Retirement Plans

This eBook addresses the historical root of the problem; including fee disclosure and the blurred lines between two types of advisors, as well as new Department of Labor (DOL) regulations mandating notice to plan participants and beneficiaries.