retirement plan fee disclosures - how to prepare now for upcoming changes!

8/3/2019 Retirement Plan Fee Disclosures - How to Prepare Now for Upcoming Changes!

http://slidepdf.com/reader/full/retirement-plan-fee-disclosures-how-to-prepare-now-for-upcoming-changes 1/34

Fnn Mi{kdg{~un Un|~iunbnh}{

]uikil Klan

Vikn _un{imnh}$ [nhigu Un}iunbnh} _dlh Kgh{~d}lh}

Eidd @lueghVikn _un{imnh}$ Miunk}gu gf Kgbpdilhkn

Gk}genu <;$ 5?<<<



Qcl} Qidd Qn Kgvnu7

‥ Gvnuvinq gf _dlh [pgh{gu Fnn Mi{kdg{~un{

‥ Gvnuvinq gf _lu}ikiplh} Fnn Mi{kdg{~un{

5



_dlh [pgh{gu Fnn Mi{kdg{~un{

;




‥ Guiaihlddy nffnk}ivn J~dy <6$ 5?<<$ kclhanm }g Jlh~luy <$5?<5$ kclhanm lalih }g Lpuid <$ 5?<5

‥ Kgvnunm [nuvikn _ugvimnu{ #K[_{) un|~iunm }g pugvimnMi{kdg{~un{ leg~} knu}lih Kgbpnh{l}igh unknivnm qi}cun{pnk} }g {nuvikn{ pugvimnm }g Kgvnunm _dlh{

‥ Flid~un }g bnn} un|~iunbnh}{ un{~d}{ ih pugciei}nm}ulh{lk}igh {~ejnk}iha {nuvikn pugvimnu }g <>. nski{n }lslhm pg{{iedn hnnm }g mi{aguan fnn{

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‥ Kgvnunm [nuvikn _ugvimnu #K[_): ‛ Ghn qcg nh}nu{ ih}g kgh}ulk} gu luulhanbnh} qi}c }cn pdlh

‛ Nspnk}{ }g unknivn bgun }clh -<$??? ih kgbpnh{l}igh

‛ Kgbpnh{l}igh i{ unknivnm ey }cn K[_$ lh lffidil}n$ gu l{~ekgh}ulk}gu ih kghhnk}igh qi}c }cn pugvi{igh gf {nuvikn{ ey }cnK[_$ lh lffidil}n gu l {~ekgh}ulk}gu

‥ KLHHG] lvgim u~dn{ ey clviha lhg}cnu nh}i}y pnufgub }cn {nuvikn{gu an} }cn kgbpnh{l}igh

>




‥ Una~dl}igh{ mg HG] lppdy if:

‛ K[_ {nuvikn kgh}ulk} i{ qi}c }cn pdlh {pgh{gu$ lhm hg} }cn pdlh

lhm

‛ K[_ i{ plim ghdy ey }cn pdlh {pgh{gu

lhm

‛ K[_ an}{ hg miunk} gu ihmiunk} plybnh}{ fugb }cn pdlh

6




‥ [nuvikn kgvnunm: ‛ [nuvikn{ pugvimnm l{ l fim~kiluy gu UIL

‛ Unkgum`nnpiha gu eug`nulan {nuvikn{

‛ G}cnu {nuvikn{‥ Lkkg~h}iha

‥ L~mi}iha

‥ Lk}~luild

‥ Kgh{~d}iha

‥ K~{}gmild‥ Ih{~ulhkn

‥ Ihvn{}bnh} Lmvi{guy

‥ Dnald

‥ ]_L

1




‥ Kgvnunm _dlh: ‛ NUI[L"kgvnunm un}iunbnh} pdlh{

‛ Nspnk}nm }g en nsplhmnm }g lppdy }g cnld}c lhm qndflun pdlh{

‛ Mgn{ HG] lppdy }g:

‥ [N_{

‥ [IB_DN IUL{

‥ IUL{

3




‥ Unpgu}ledn Kgbpnh{l}igh: ‛ Lhy}ciha gf bghn}luy vld~n

‥ Ghdy ihkd~mn{ hghbghn}luy kgbpnh{l}igh if gvnu -5>? m~uiha }nub

gf luulhanbnh} ‛ Kgbpnh{l}igh unknivnm miunk}dy fugb pdlh

‛ Ihmiunk} kgbpnh{l}igh

‥ Unknivnm fugb }cium plu}y

‥ [nuvikn{ pnufgubnm ~hmnu luulhanbnh} en}qnnh pdlh lhm K[_

‥ Egh~{ ' gvnuuimn plybnh}{

9




‥ Fim~kiluy [nuvikn Mi{kdg{~un{:

‛ Mn{kuip}igh gf fim~kiluy {nuvikn{ pugvimnm

‛ If lppdikledn$ {}l}nbnh} }cl} K[_$ lffidil}n gu {~ekgh}ulk}gu#_ugvimnu) qidd pugvimn {nuvikn{ l{ l fim~kiluy

‛ If lppdikledn$ {}l}nbnh} }cl} }cn _ugvimnu qidd pugvimn {nuvikn{ }g}cn pdlh l{ lh ihvn{}bnh} lmvi{gu ~hmnu }cn <9=? Lk} gu lhy

[}l}n dlq

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‥ Blhhnu gf Mi{kdg{~un:

‛ B~{} en qui}}nh

‛ Bly ~{n MGD ndnk}ughik mndivnuy u~dn{

‛ Klh kgbn fugb miffnunh} {g~ukn{

<<




‥ Mi{kdg{~un gf Kgbpnh{l}igh Ihfgubl}igh:

‛ Bghn}luy lbg~h}

‛ Fgub~dl

‛ _nuknh}lan gf pdlh l{{n}{

‛ _nu klpi}l kcluan pnu plu}ikiplh}

‛ Lhy g}cnu unl{ghledn bn}cgm

<5




‥ ]ibiha gf Kclhan }g Mi{kdg{~un{:

‛ —L{ {ggh l{ pulk}ikledn$ e~} hg} dl}nu }clh 6? mly{ fugb }cn ml}n

gh qcikc }cn K[_ `hgq{ gf }cn kclhan‒

<=



_lu}ikiplh} Fnn Mi{kdg{~un{

<>




‥ Lkkgumiha }g MGD

‛ ]cnun lun n{}ibl}nm }g en =3;$??? plu}ikiplh}"miunk}nm ihmivim~ldlkkg~h} pdlh{

‛ 15 biddigh plu}ikiplh}{

‛ -; }uiddigh ih l{{n}{

<6




‥ Nffnk}ivn hg dl}nu }clh }cn dl}nu gf: ‛ 6? mly{ lf}nu }cn pdlh’{ lhhivnu{luy ml}n }cl} gkk~u{ gh gu lf}nu

Hgvnbenu <$ 5?<<

‛ gu ‛ 6? mly{ lf}nu }cn nffnk}ivn ml}n gf }cn pdlh {pgh{gu fnn

mi{kdg{~un u~dn{ #Lpuid <$ 5?<5)

‥ Lppdikledn }g mnfihnm kgh}uie~}igh pdlh{

‛ _dlh b~{} en {~ejnk} }g NUI[L ‛ _dlh qcnun plu}ikiplh} cl{ —uiac} }g miunk} }cn ihvn{}bnh} gf

l{{n}{ cndm ih$ gu kgh}uie~}nm }g$ ci{ gu cnu ihmivim~ld lkkg~h}‒

<1




‥ _dlh Mi{kdg{~un{ ‛ Lhh~ld Mi{kdg{~un{

‥ _dlh ihfgubl}igh

‥ Nspnh{n{ #Lmbihi{}ul}ivn lhm Ihmivim~ld)

‛ \~lu}nudy Mi{kdg{~un{

‥ Lbg~h} gf lmbihi{}ul}ivn nspnh{n{

‥ Lbg~h} gf ihmivim~ld nspnh{n{

<3




‥ Gh lhh~ld el{i{$ b~{} mi{kdg{n fgddgqiha pdlh ihfg: ‛ Nspdlhl}igh gf }cn kiuk~b{}lhkn{ ~hmnu qcikc plu}ikiplh}{ lhm

enhnfikiluin{ bly aivn ihvn{}bnh} ih{}u~k}igh{

‛ Nspdlhl}igh gf lhy {pnkifinm dibi}l}igh{ gh {~kc ih{}u~k}igh{ ~hmnu }cn

}nub{ gf }cn pdlh$ ihkd~miha lhy un{}uik}igh{ gh }ulh{fnu }g gu fugb lmn{iahl}nm ihvn{}bnh} ld}nuhl}ivn

‛ Mn{kuip}igh gf gu unfnunhkn }g pdlh pugvi{igh{ undl}iha }g nsnuki{n gfvg}iha$ }nhmnu lhm {ibidlu uiac}{ lpp~u}nhlh} }g lh ihvn{}bnh} ih lmn{iahl}nm ihvn{}bnh} ld}nuhl}ivn l{ qndd l{ lhy un{}uik}igh{ gh {~kcuiac}{

‛ Imnh}ifikl}igh gf lhy mn{iahl}nm ihvn{}bnh} ld}nuhl}ivn{ gffnunm ~hmnu}cn pdlh

‛ Imnh}ifikl}igh gf lhy mn{iahl}nm ihvn{}bnh} blhlanu{

‛ Mn{kuip}igh gf lhy eug`nulan qihmgq

<9




‥ ]qg }ypn{ gf ihmivim~ld nspnh{n{ ‛ Lmbihi{}ul}ivn

‥ Fnn{ fgu anhnuld pdlh lmbihi{}ul}igh kcluanm lalih{} lkk}{ #lhm hg}

unfdnk}nm ih lhh~ld gpnul}iha nspnh{n{ gf ihvn{}bnh} vncikdn)(‥ Fgu nslbpdn:

‛ Dnald

‛ Lkkg~h}iha

‛ Unkgum `nnpiha

5?




‥ ]qg }ypn{ gf ihmivim~ld nspnh{n{ ‛ Ihmivim~ld

‥ Fnn{ lk}~lddy kcluanm lalih{} ihmivim~ld lkkg~h} fgu {nuvikn{ }g

ihmivim~ld #ul}cnu }clh gh pdlh"qimn el{i{ lhm hg} unfdnk}nm ihlhh~ld gpnul}iha nspnh{n{ gf ihvn{}bnh} vncikdn)(Fgu nslbpdn:

‛ _dlh dglh{$ \MUG{

‛ Unmnbp}igh fnn{$ {ldn{'dglm{

‛ Ihvn{}bnh} lmvikn

‛ Eug`nulan qihmgq{ ‛ [ibidlu {nuvikn{ kcluanm gh lh ihmivim~ld el{i{ #n(a( mi{}uie~}igh

fnn{)

5<




‥ Anhnuld Lmbihi{}ul}ivn Nspnh{n{: ‛ Nspdlhl}igh

‛ Cgq lddgkl}nm #pug ul}l$ pnu klpi}l)

‥ Ihmivim~ld Nspnh{n{ ‛ Nspdlhl}igh

‥ Mgn{ hg} ihkd~mn nspnh{n{ —unfdnk}nm ih lh lhh~ld

gpnul}iha nspnh{n{ gf mn{iahl}nm ihvn{}bnh}

ld}nuhl}ivn‒

‥ Mgn{ hg} un|~iun mgddlu lbg~h} ih lhh~ld {}l}nbnh}{

55




‥ NUI[L _dlh Lmbihi{}ul}gu #NUI[L ¡;#<6)) b~{} aivn }cnmi{kdg{~un ‛ _dlh Lmbihi{}ul}gu hg} diledn fgu kgbpdn}nhn{{ lhm lkk~ulky gf

ihfgubl}igh if:‥ Ihfgubl}igh unknivnm fugb gu pugvimnm ey {nuvikn pugvimnu gu i{{~nu

gf ihvn{}bnh}0 lhm

‥ Lk}nm unl{ghledy lhm ih aggm fli}c

‥ Mi{kdg{~un agn{ }g —nlkc plu}ikiplh} }cl}$ p~u{~lh} }g }cn

}nub{ gf }cn pdlh$ cl{ }cn uiac} }g miunk} }cn ihvn{}bnh} gfl{{n}{ cndm ih$ gu kgh}uie~}nm }g$ ci{ gu cnu ihmivim~ldlkkg~h}‒

5;




‥ ^pml}n{ fgu kclhan{: ‛ Hg} dn{{ }clh ;? mly{ lhm hg bgun }clh 9? enfgun }cn nffnk}ivn

ml}n gf LHY kclhan }g }cn ihfgubl}igh$ nlkc plu}ikiplh} lhm

enhnfikiluy {cldd en f~uhi{cnm l mn{kuip}igh gf {~kc kclhan‥ Nsknp}igh fgu ~hfgun{nnledn nvnh}{ gu kiuk~b{}lhkn{ enyghm pdlh

lmbihi{}ul}gu{ kgh}ugd$ if {g$ }cnh l{ {ggh l{ unl{ghledy pulk}ikledn

5=




‥ \~lu}nudy nspnh{n mi{kdg{~un{: ‛ Ihmivim~ld nspnh{n{

‥ Mgddlu lbg~h} lk}~lddy kcluanm m~uiha }cn punknmiha |~lu}nu }g }cn

plu}ikiplh}’{ lkkg~h} fgu ihmivim~ld {nuvikn{ ‥ Mn{kuip}igh gf }cn {nuvikn{ pugvimnm }g }cn plu}ikiplh} gu enhnfikiluy

fgu {~kc lbg~h}

56




‥ Ihvn{}bnh} Mi{kdg{~un{ ‛ Lhh~lddy$ una~dl}igh{ un|~iun }cl} ihfgubl}igh gh ihvn{}bnh}

ld}nuhl}ivn{ en pun{nh}nm ih l kgbplul}ivn fgubl} {~kc l{ l

kclu} gu {ibidlu fgubl} }cl} ihkd~mn{:‥ pugbihnh} mi{pdly gf }cn ml}n0

‥ [}l}nbnh} }cl} lmmi}ighld ihvn{}bnh} ihfgubl}igh #ihkd~miha bgunk~uunh} pnufgublhkn ihfgubl}igh) i{ lvlidledn l} }cn di{}nm qnelmmun{{n{ #i} lppnlu{ }cnun i{ hg gedial}igh }g ~pml}n g}cnu }clhlhh~lddy)0

‥ [}l}nbnh} gf cgq }g un|~n{} plpnu kgpin{ funn gf kcluan(

‛ [lbpdn kclu} pugvimnm ih lh lppnhmis }g una(

51




‥ Ihvn{}bnh} Mi{kdg{~un{ ‛ Ihfgubl}igh _ugvimnmL~}gbl}iklddy ‛ Fgu nlkc mn{iahl}nm ihvn{}bnh} ld}nuhl}ivn$ b~{} ihkd~mn:

‥ Imnh}ifyiha ihfgubl}igh

‥ _nufgublhkn ml}l'enhkcblu`{

‥ Fnn ihfgubl}igh

‥ Qne {i}n

‛ Adg{{luy

‛ G}cnu blhml}guy {}l}nbnh}{ ‛ [pnkild mi{kdg{~un{ fgu lhh~i}y ihvn{}bnh}{

‛ [pnkild u~dn{ fgu nbpdgynu {nk~ui}in{

53




59




‥ Ihvn{}bnh} Mi{kdg{~un{ ‛ Fnn Mi{kdg{~un{ ‛ Kgbbi{{igh{

‛ [ldn{ dglm{

‛ [ldn{ kcluan{

‛ Mnfnuunm {ldn{ kcluan{

‛ Unmnbp}igh fnn{

‛ [~uunhmnu kcluan{

‛ Nskclhan fnn{

‛ Lkkg~h} fnn{

‛ Hg} ihkd~mnm ih lhh~ld gpnul}iha nspnh{n{

;?




;<




‥ Qne {i}n Ihfgubl}igh ‛ [~ffikinh}dy {pnkifik }g pugvimn plu}ikiplh}{ lkkn{{ }g }cn

fgddgqiha Ihfgubl}igh fgu nlkc mn{iahl}nm ihvn{}bnh} ld}nuhl}ivn:

‥ }cn hlbn gf }cn ihvn{}bnh}’{ i{{~nu gu pugvimnu$

‥ gejnk}ivn{ gu agld{ #kgh{i{}nh} qi}c [NK Fgub H"<L gu H";)

‥ }cn ihvn{}bnh}’{ puihkipld {}ul}nain{ lhm l}}nhmlh} ui{`{$

‥ }cn l{{n}{ kgbpui{iha }cn ihvn{}bnh}’{ pgu}fgdig$

‥ }cn ihvn{}bnh}’{ pgu}fgdig }~uhgvnu$

‥ }cn ihvn{}bnh}’{ pnufgublhkn lhm

‥ undl}nm fnn{ lhm nspnh{n{

;5



Kgh}lk} fgu bgun ihfgubl}igh

]uikil Klan$ KU_[$ U_L$ KNE[$ LIF ¨ V_$ [nhigu Un}iunbnh} Enhnfi}{ Kgh{~d}lh}

KEIZ Ih{~ulhkn [nuvikn{$ Ihk(

91>> _l}~snh} Qggm{ Muivn$ [~i}n 5??

Kgd~beil$ BM 5<?=6

Miunk}: #==;) 5>9";5<<Fls: #3>>) 533"?5<>

}klanOkeiz(kgb

Eidd @luegh$ B[_L$ K_KV_$ Miunk}gu gf Kgbpdilhkn

KEIZ Ih{~ulhkn [nuvikn{$ Ihk(<??9 Dnhgs Muivn$ [~i}n <?>

Dlqunhknviddn$ HJ ?36=3

Miunk}: #6?9) 39>">;;5

Fls: #6?9) 396"<3=9

q`lueghOkeiz(kgb

;;

mailto:[email protected]






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retirement plan fee disclosures - how to prepare now for upcoming changes!

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