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We publish newsletters regularly. Check back often for free, useful information that employers need to optimally run their employee benefit and retirement plans.

ITR Economics: Managing Your Labor Costs – A Winning Strategy
Feb. 23, 2017

Use technology and innovative processes to manage your labor costs.

Read the full article and see what the experts have to say…

ITR Economics: A Good Year Ahead!
Jan. 23, 2017

The economy is gearing up for a better 2017 and we hope you are too! Leading indicators are all going up.

Read the full article and see what the experts have to say…

ITR Economics: Positive Economic Signals for 2017
Dec. 27, 2016

The stock market has been reporting record highs recently. This positive trend is a valid economic signal leading into 2017.  ITR has their reasons why the stock market is likely to continue.

Read the full article and see what the experts have to say…

ITR Economics: Did the Recent Election have Impact on the Economic Outlook?
Dec. 27, 2016

Mr. Trump’s election recently as the next President certainly caught many of Americans by surprise. However, it really does not change the ITR Economics outlook for 2017. ITR Economics has been forecasting general economic rise in the US economy and the Global economy and the rise is still likely.

Read the full article and see what the experts have to say…

ITR Economics: Guarded Optimism for the Economy
Dec. 27, 2016

The last few months of data show a rebound and a better-than normal increase, however, we are not clearly out of the woods yet.

Read the full article and see what the experts have to say…

ITR Economics: The Post-Brexit Economy--Where Are We Now?
Dec. 27, 2016

It has been months since the Brexit vote and the wheels have not come off the economic cart for Europe or the United Kingdom. The first batch of leading indicator data has been released and the hopes for better days, months, and quarters are ahead.

Read the full article and see what the experts have to say…

Benefit Insights: Rules and Taxation of 401(k) Plan Distributions
Dec. 22, 2016

A 401(k) plan permits employees to defer a portion of their salaries on a pre-tax basis with the objective of accumulating assets for retirement. Additional assets are accumulated if the employer makes contributions to the participant’s account.

With today’s mobile workforce, many distributions are made before retirement because employees usually become eligible to receive distributions when they terminate employment. Distributions also become payable due to disability, death or a Qualified Domestic Relations Order (QDRO). In addition, many 401(k) plans permit hardship withdrawals. Sometimes active participants are forced to take minimum distributions after reaching age 70½.

This newsletter will examine the rules and tax consequences associated with the various types of distributions from a 401(k) plan.

ITR Economics: Is the Trans-Pacific Partnership Good or Bad for the United States?
Nov. 17, 2016

The Trans-Pacific Partnership (TPP) agreement makes a convenient lightening rod for folks concerned about losing American jobs through global competition and those concerned about large corporations manipulating politics and the economy to their own selfish advantage within a world view that globalization and large corporations are inherently bad and that economics is a zero-sum game. 

Read the full article and see what the experts have to say…

Benefit Insights: DOL Issues New Fiduciary Rule
Sep. 13, 2016

On April 8, 2016 the Department of Labor (DOL) issued final guidance that greatly expands the types of retirement investment advice that will be subject to the fiduciary duty rules under the Employee Retirement Income Security Act of 1974 (ERISA). The so-called “conflict of interest” rule for retirement investments will have a significant effect on those who provide investment advice and sell investment products and services to retirement plans and IRAs. The central focus of the DOL guidance is to protect plan participants from conflicts of interest that could threaten their retirement savings.

Benefit Insights: Fun with Forfeitures
Jun. 28, 2016

Sooner or later, almost all 401(k) plans will face the “fun” of dealing with forfeitures. Just like every other plan-related operational item, there are specific rules that provide guidance on the “who, what, why, when and where” of using forfeitures.