Each year, it's a good idea to take a look at a retirement plan and do an "Annual Check-up" to consider some of the pertinent changes a plan sponsor could make to help provide better benefits to their participants – as well as protecting themselves in a fiduciary sense. As an advisor, these are all places you can help. Here are three more tune-ups to consider.

Plan Design Changes

An employer with a 401(k) plan might want to implement a safe harbor provision for 2013.  If so, the plan must generally be amended on or before December 31, 2012, and a notice provided to participants between October 1st and December 1st, 2012. 

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