retirement plan fee disclosures - how to prepare now for upcoming changes!
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8/3/2019 Retirement Plan Fee Disclosures - How to Prepare Now for Upcoming Changes!
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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?<<<
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Qcl} Qidd Qn Kgvnu7
‥ Gvnuvinq gf _dlh [pgh{gu Fnn Mi{kdg{~un{
‥ Gvnuvinq gf _lu}ikiplh} Fnn Mi{kdg{~un{
5
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_dlh [pgh{gu Fnn Mi{kdg{~un{
;
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_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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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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
>
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ [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
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ Blhhnu gf Mi{kdg{~un:
‛ B~{} en qui}}nh
‛ Bly ~{n MGD ndnk}ughik mndivnuy u~dn{
‛ Klh kgbn fugb miffnunh} {g~ukn{
<<
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ 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
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_dlh [pgh{gu Fnn Mi{kdg{~un{
‥ ]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‒
<=
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_lu}ikiplh} Fnn Mi{kdg{~un{
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ Lkkgumiha }g MGD
‛ ]cnun lun n{}ibl}nm }g en =3;$??? plu}ikiplh}"miunk}nm ihmivim~ldlkkg~h} pdlh{
‛ 15 biddigh plu}ikiplh}{
‛ -; }uiddigh ih l{{n}{
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ Nffnk}ivn hg dl}nu }clh }cn dl}nu gf: ‛ 6? mly{ lf}nu }cn pdlh’{ lhhivnu{luy ml}n }cl} gkk~u{ gh gu lf}nu
Hgvnbenu <$ 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}‒
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ _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{
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ ]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?
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ ]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<
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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;
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ ^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=
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ \~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
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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
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_lu}ikiplh} Fnn Mi{kdg{~un{
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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{
;?
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_lu}ikiplh} Fnn Mi{kdg{~un{
;<
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_lu}ikiplh} Fnn Mi{kdg{~un{
‥ 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
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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
;;
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;=
\~n{}igh{