If your employer’s 401(k) plan has auto-enrollment, you’ll automatically start making contributions to your account once you’re eligible. Under a federal law enacted in 2022, most new 401(k) plans ...

The Affordable Care Act’s (ACA) individual shared responsibility penalty was reduced to $0 in 2017, effectively repealing the individual mandate and removing a key means of reducing uninsurance. For ...

Two of the most widely used mechanisms to improve participation in 401(k) plans – automatic enrollment and automatic escalation of contribution rates – may be much less effective than previously ...

The next generation of automatic features in 401(k) plans will include default savings rates that will give workers switching jobs the option to choose between the new employer’s default savings rate ...

401(k) account cash-outs remain a potent threat to Americans’ retirement-readiness and by all accounts the DOL agrees, having issued its final Prohibited Transaction Exemption (PTE) for auto ...

Workers will be able to save more easily for retirement with a proposed move that would automatically enroll them in 401(k) plans and other retirement savings plans. Among the Secure 2.0 provisions in ...