July Business Services
P.O. Box 2208
Waco, Texas 76703

July Business Services
400 Austin Avenue, Suite 1200
Waco, Texas 76701

Benefits Bulletin

Our Quarterly Newsletter to help keep you informed about the lastest in Retirement Planning

Winter 2012 Benefits Bulletin

Back to Basics: Catch-up Contributions The Duty to Collect Contributions Is Employee Education Passé? 2012 Inflation-adjusted Plan Limitations

Fall 2011 Benefits Bulletin

Accepting Rollovers from Other Employer Plans Hardship Distribution Rules Mandate Suspension of Deferrals 401(k) Plan Participant Notices Benefit Notes Have Beneficiary Designation Procedures in Place

Summer 2011 Benefits Bulletin

Safe Harbor 401(k) Plan - Right for Your Organization? It's Form 5500 Time Again A Good Reason for Regular Compliance Audits Beneficiary Designation Procedures - Have Them Suspend Deferrals After a Hardship Distribution

Spring 2011 Benefits Bulletin

Participant Fee Disclosure In-Plan Roth Rollover Rules A Look at Cash Balance Plans Automatic Contribution Escalation

Winter 2011 Benefits Bulletin

Jobs Act Allows In-plan Roth Conversions 2011 COLA Limits When Employees Leave, but Plan Accounts Stay IRS Compliance Check

Fall 2010 Benefits Bulletin

Is It Time for a Self-audit? Pass Those Tests Plan Compliance Recent Developments The Top-heavy Trap

Summer 2010 Benefits Bulletin

Reviewing Your 401(k) Plan Design HEART Act Clarifications Plan Automation: One, Two, Three Safe Harbor Notice - Watch the Timing Recent Development- Late Deposits

Spring 2010 Benefits Bulletin

Deadline for Depositing Deferrals An Introduction to Controlled Groups Time to Review Your Fiduciary Liability Coverage? Successor Plan Rules

Winter 2010 Benefits Bulletin

Plan Expenses and Cost Cutting Restatement and Amendments Deadlines New Nonspouse Beneficiary Rollover Rules Preview of Changes for 2010

Fall 2009 Benefits Bulletin

Paying Expenses Out of Plan Assets Roth IRA Conversion in 2010 Nonspouse Rollovers - A Reminder FAQs About Required Notices

Summer 2009 Benefits Bulletin

Reducing or Eliminating Safe Harbor Contributions Workforce Reductions and Partial Plan Termination Considering a Cash Balance Plan COBRA Premium Reduction

Spring 2009 Benefits Bulletin

Retirement Plans for Closely Held Businesses 401(k) Plan Enrollment — Making It Automatic Worker, Retiree, and Employer Recovery Act of 2008 Interim Valuation of a Balance Forward Plan

Winter 2009 Benefits Bulletin

Give Your Plan a Check-up 2009 Cost-of-Living Adjustments Paying Expenses Out of Plan Assets Plan Loan and Hardship Distribution Requests Back to Basics: Guidance on Missing Participants

Summer 2008 Benefits Bulletin

Supreme Court Rules on Fiduciary Responsibilities Deadline for Depositing Deferrals The Latest on Rollovers Minding Your Fiduciary Responsibilities

Fall 2008 Benefits Bulletin

401(k) Plan Enrollment - Making It Automatic Sell Your Employer Match Partial Rollover Rules Recent Developments

Summer 2008 Benefits Bulletin

Supreme Court Rules on Fiduciary Responsibilities Deadline for Depositing Deferrals The Latest on Rollovers Minding Your Fiduciary Responsibilities

Spring 2008 Benefits Bulletin

Automatic Enrollment 2008 Spouse Beneficiaries - Stretch IRA & Other Options Plan Participation and Employee Retention

Winter 2008 Benefits Bulletin

QDIA Final Regulations IRS & Social Security - Cost of Living Adjustments 2008: A Year of Change Reviewing Your Fiduciary Liability Coverage

Fall 2007 Benefits Bulletin

Automatic Enrollment - The Rules Have Changed It's Required Minimum Distribution Time Helping Employees Understand Employer Benefits Catch-Up Contributions Q&A

Summer 2007 Benefits Bulletin

Evaluating your Plan's Features The Latest on Plan Loans New Guidance on Roth Distributions Recent Developments

Sping 2007 Benefits Bulletin

Making a Statement Guidance on Nonspouse Beneficiary IRA Rollovers Recent Developments in Benefit Plans A Closer Look at Two PPA Changes The Wide World of Matches More Recent Developments

Winter 2007 Benefits Bulletin

Participant Statement Requirements for 2007 IRS and Social Security Cost-of-Living Adjustments Current Automatic Enrollment Rules Recent Developments

Fall 2006 Benefits Bulletin

The Pension Protection Act of 2006 Improperly Excluded Employees Highlights of the EPCRS Changes Making Things Right

Summer 2006 Benefits Bulletin

Making it Automatic Can a Cafeteria Plan Help Your Business? Understanding Fiduciary Responsibilities Meeting the Annual Reporting Requirements for Your Plan

Spring 2006 Benefits Bulletin

Matching Makes a Comeback FAQs About Plan Contributions The Need for an Investment Policy Statement By Default Moving in the Right Direction

Winter 2006 Benefits Bulletin

Final 401(k) Regulations Effective in 2006 IRS and Social Security Cost-of-Living Adjustments Give Your Plan a Checkup Recent Developments Rightsizing You Fidelity Bonding

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