Specialists in ERISA and Employee Benefits Law​

Blog-old

Fee Oversight and Fiduciary Process – The Importance of Periodic Review of Service Providers

https://www.youtube.com/watch?v=iLX4fODYXLA Who Is Ultimately Responsible For An Employer’s Retirement Plan? The employer is ultimately responsible for the retirement plan, despite hiring third-party administrators or investment …

Read More →
7 Common ERISA and Tax Qualification Compliance Mistakes Employers Make With Their 401(k) Plans
Quick Summary: Failures in ERISA and tax qualification compliance for 401(k) plans often begin as ordinary administrative errors: an unexecuted amendment, a contribution deposited later ...
Read More →
Navigating Cycle Four Restatements for Defined Contribution Plans
https://www.youtube.com/watch?v=oi3XcwqQivM What Is A Cycle 4 Restatement Of Defined Contribution Plans? A Cycle 4 Restatement involves updating a plan document by incorporating amendments and removing ...
Read More →
Don’t Leave Money On the Table—Defined Contribution Plan Tax Credits (Part Two)
Retirement Plans

Don’t Leave Money On the Table—Defined Contribution Plan Tax Credits (Part Two)

https://www.youtube.com/watch?v=Icl4t8NWdcg How Have The Secure Act Tax Credits Changed The Perception Of Retirement Plans For Small Business Employers? The Secure Act tax credits have significantly ...
Read More »
Retirement Plans

Don’t Leave Money On The Table—Defined Contribution Plan Tax Credits (Part One)

https://www.youtube.com/watch?v=D7NKHVLqf7o Are Employers More Focused On Employee Financial Wellness And Retirement Readiness Now Compared To Five Or Ten Years Ago? Employers are increasingly recognizing the ...
Read More »
professional-photo-of-Professional-business-desk-scene-for-retirement-planning-article-wooden-gavel-calculator-financial-charts-with-graphs-retirement-planning-documents-pen-eyeglasses
Benefits in General

Required 401(k) Plan Employee Communications

https://www.youtube.com/watch?v=SMZUDJrT32A What Notices And Information Must Employers Provide To Employees About Retirement Plans? Employers are required to provide a variety of notices to employees about ...
Read More »
Understanding Retirement Plan Qualification Failures
Benefits in General

Understanding Retirement Plan Qualification Failures

https://www.youtube.com/watch?v=N8JWU0GKVak What Is A Retirement Plan Qualification Failure, And Can You Provide An Example? A retirement plan qualification failure occurs when a plan does not ...
Read More »
Navigating COBRA Compliance and Coverage
Benefits in General

Navigating Cobra Compliance And Coverage

https://youtu.be/kBqdNWe86W8 What Is COBRA, And How Does It Work? COBRA, short for the Consolidated Omnibus Budget Reconciliation Act of 1985, is a law that allows ...
Read More »
Announcements

KLB Benefits Law Group Wishes You a Happy 4th of July!

KLB Benefits Law Group wishes you a happy Independence Day! Our offices will be closed on Friday, July 3rd, in observance of the holiday.
Read More »
Exploring Optional Features in Retirement Plans
Retirement Plans

Exploring Optional Features In Retirement Plans

https://youtu.be/d205rJFeKLA What Are The Most Popular Optional Features In Employer Retirement Plans Today? The most popular optional feature in employer retirement plans remains the participant ...
Read More »
Retirement Plans

Exploring Group Retirement Arrangements: MEPs, PEPs, and DCGs

https://youtu.be/VSglAVlS-Ag How Do Group Plans Differ From Standalone Or Single-employer Plans? Group plans involve multiple employers combining resources to hire an administrator to run the ...
Read More »
ROBS Plans

Webinar—M&A Considerations for Franchises & ROBS Companies

Doll & Kathleen joined Doug Luther, of Luther Lanard, for a live webinar on LinkedIn to discuss special considerations when selling or purchasing a franchise ...
Read More »
Announcements

Have a Wonderful Memorial Day Weekend!

KLB Benefits Law Group wishes you all a lovely and meaningful Memorial Day weekend. Our offices will be closed on Monday, May 25th, in observance ...
Read More »
Retirement Plans

Understanding Domestic Relations Orders and Retirement Plans

https://youtu.be/R6Wk5SjcF3g What is a Qualified Domestic Relations Order (QDRO)? A Qualified Domestic Relations Order, or QDRO, is a court order used during divorce proceedings to ...
Read More »
Benefits in General

The Sacred Duty of an Employee Plan Fiduciary

Employers and plan administrators who sponsor a retirement plan, a group health plan, or any employee plan subject to ERISA, are plan fiduciaries and have ...
Read More »
Retirement Plan Terminations Explained
Retirement Plans

Retirement Plan Terminations Explained

https://www.youtube.com/watch?v=YzdoSViWvTU What does it mean when a retirement plan is terminated? When a retirement plan is terminated, it means that the plan is frozen, and ...
Read More »
Cybersecurity in Employee Benefit Plans
Retirement Plans

Cybersecurity in Employee Benefit Plans

https://www.youtube.com/watch?v=mLr8rgWRmOg Why is cybersecurity important for Employee Benefit Plans? Cybersecurity is crucial for Employee Benefit Plans because the current value of assets in United States ...
Read More »
Retirement Plans

Plan Committees

https://www.youtube.com/watch?v=0beyGVEuotc What is a plan committee and what does it do? A plan committee is a group of individuals within an employer who have a ...
Read More »
A digital shield icon representing the protection of employee benefits and retirement security under ERISA regulations.
Benefits in General

What is ERISA and what does it stand for?

https://www.youtube.com/watch?v=XcW_NUpvGlI ERISA stands for the Employee Retirement Income Security Act and is a key law that governs employee benefit plans, ensuring protections for employees and ...
Read More »
Episode Title: What are state mandated IRAs and why do states require them?
Uncategorized

What Are State Mandated Iras And Why Do States Require Them?

https://youtu.be/oe2f9-pxsGM State mandated IRAs are programs established by states to require certain private employers without retirement plans to enroll employees in an automated IRA administered ...
Read More »
Announcements

Happy Presidents’ Day

KLB Benefits Law Group wishes you a wonderful holiday weekend. Our offices will be closed on Monday, February 16th, 2026 in observance of the holiday.
Read More »
Office employees working at desks during a period of workforce changes, representing the impact of layoffs on employee benefits and retirement planning.
Retirement Plans

Understanding the Impact of Layoffs on Retirement Plans

https://youtu.be/cQOaYX6Hv_E How does a layoff affect a qualified retirement plan? A layoff can impact a retirement plan by potentially causing a partial termination of the ...
Read More »
Team meeting with professionals reviewing financial charts on laptops during a collaborative business discussion
Benefits in General

What is a cafeteria plan and how does it work?

https://youtu.be/phkqGKPIiKk A cafeteria plan allows employers to offer employees a selection of benefits on a pre-tax basis, and are also known as flexible benefit plans ...
Read More »
Business owner reviewing employee figures on a digital platform, representing retirement plan strategy and ROBS plan funding for startups.
ROBS Plans

What is a ROBS Plan and how does it work for business owners?

https://youtu.be/SfAeUhHbfr8 “ROBS” stands for Rollover for Business Startup, which describes a special kind of investment inside an otherwise normal defined contribution retirement plan. By making ...
Read More »
Silhouettes of business professionals discussing financial trends in front of a large graph with rising red lines overlaid on euro banknote imagery, symbolizing economic analysis and strategic planning.
Retirement Plans

Retirement Plan Mergers: Requirements, Challenges, and Best Practices for Employers

https://youtu.be/KfqSKUuWwK0 What defines a retirement plan merger in employee benefits context? A retirement plan merger involves transferring assets from one qualified retirement plan into another, ...
Read More »
Benefits in General

Related Employer Groups in Employee Benefits: Compliance Impacts and Identification Strategies

https://youtu.be/7lZxG5rBJZw What constitutes a related employer group under employee benefit plan regulations? Related employer groups form through overlapping ownership or service relationships among entities. Connections ...
Read More »
Retirement Plans

IRS Announces 2026 Cost-of-Living Adjustments for Retirement Plans

The IRS announced the cost-of-living adjustments for certain thresholds affecting retirement plans this week in Notice 2025-67. See the chart below with the updated thresholds ...
Read More »
IRS Audits of Retirement Plans: What Employers Need to Know
Benefits in General

IRS Audits of Retirement Plans: What Employers Need to Know

https://youtu.be/KSV-5cko3bg What Triggers an IRS Audit of a Retirement Plan? The IRS does not disclose exact audit triggers. Employers generally cannot predict whether a plan ...
Read More »
Year-End Employee Benefit Plans: Key Deadlines and Compliance Tips for Employers
Benefits in General

Year-End Benefit Plan Deadlines & Compliance Guide

https://youtu.be/4T1XbBEZ4Pg Year-End Employee Benefit Plans: Key Deadlines and Compliance Tips for Employers   Why Year-End Matters for Employee Benefit Plans The end of the plan ...
Read More »
Health & Welfare Plans

Looking Ahead to 2026 Health and Welfare Limits: Cost-of-Living Adjustments for Health Flexible Spending Accounts, High-Deductible Health Plans, ACA Affordability Threshold and Other Benefits

The latest dollar limits for health and welfare plans and fringe benefits have been revealed for 2026. Retirement plan limits are sure to follow soon. ...
Read More »
Benefits in General

What Every HR Director Should Know About Hiring an Employee Benefits Attorney

Why should HR directors consider working with an employee benefits attorney? Attorney Doll Lank explained that the most persuasive reason to hire a benefits attorney ...
Read More »
Understanding the Role of Employee Benefits Attorneys in Employment Disputes
Benefits in General

Understanding the Role of Employee Benefits Attorneys in Employment Disputes

What is the difference between an employment lawyer and an employee benefits attorney? Doll Lank explained that while both employment lawyers and benefits attorneys work ...
Read More »
What Corporate Attorneys Should Know About Employee Benefit Law
Benefits in General

What Corporate Attorneys Should Know About Employee Benefit Law

Why is it important for corporate attorneys to understand employee benefit law? Doll Lank explained that corporate attorneys are often the first point of legal ...
Read More »

DISCLAIMER
This publication is designed to provide general information on pertinent legal topics. The statements made are provided for educational purposes only. They do not constitute legal or financial advice nor do they necessarily reflect the views of KLB Benefits Law Group or any of its attorneys other than the author. This publication is not intended to create an attorney-client relationship between you and KLB Benefits Law Group. Substantive changes in the law subsequent to the date of this publication might affect the analysis or commentary. Similarly, the analysis may differ depending on the jurisdiction or circumstances. If you have specific questions as to the application of the law to your activities, you should seek the advice of your legal counsel.