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Spectrum Resource Center

Advice, Articles, Events, Insights, News, Newsletters, Opinions, Press Releases, Updates, and More from Spectrum.

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To Roth or Not to Roth

Many business owners are comfortable with the notion of a Roth IRA. We find that far fewer understand and appreciate the benefit of contributing post-tax dollars in a Roth 401(k) account as compared to making traditional pre-tax contributions. In the right circumstances and for the right person, a Roth 401(k) account can deliver significant tax benefits at retirement.
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Understanding Why a QDIA Matters

The continued adoption of auto-enrollment in 401(k) plans has increased the importance of including a Qualified Default Investment Alternative – a QDIA – in the plan’s fund lineup. You may fully understand how a QDIA works as a default investment choice for your employees. But do you also appreciate how your plan’s QDIA provides you specific fiduciary protection?
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Auto-Enrollment and Auto-Escalation

Auto Enrollment and Auto Escalation – highlights “automatic” plan design features that can make a significant difference for employees starting their journey to retirement. Watch this video and download its Action Doc to better understand how auto-enrollment and auto-escalation can be a great tools to help more people achieve a secure retirement.