Wishing you a warm and wonderful 2018,
filled with health, happiness, and prosperity.
December 2017
Alarmingly the average working (US) household has virtually no retirement savings but we aren’t alone in our lack of preparedness. Learn about differences in retirement readiness in a survey of 3,000 working age individuals in Australia, the United Kingdom, and the United States.
The American Heart Association and the American College of Cardiology recently tightened the guidelines for high blood pressure. Learn the reason for the change and the impact it might have on your wellness incentives.
Employers all over the country are closely examining their paid leave programs to ensure they can attract and retain top talent.
This first in a series of articles guides plan sponsors through advanced planning ahead of a plan termination and designating a project team. Next month, we will address final changes to the current plan and replacement benefits considerations.

Unlimited PTO, in the right environment, can be a win-win proposition. Generally unlimited PTO is looked at favorably by employees and it removes a liability on some organizations' financial statements.
Sexual harassment is receiving considerable attention in media headlines. This article from The Wharton School of Business describes steps organizations can take to address this issue in the workplace.
Companies tend to be very conservative about the savings rate they use for defaults—it’s often as low as 3%. But if people save at that rate for their entire career and retire at a normal age, that’s not nearly enough to live on comfortably.
Our 2018 Employee Benefit Plan Limits guide has been updated to reflect the Social Security Administration announcement that lowers the 2018 maximum taxable wage base from the previously announced $128,700 to $128,400.
Are you up to speed on ERISA, tax code, HIPAA, and Affordable Care Act compliance?
The DOL announced a delay of the applicability of the new claims procedure requirements for employee benefit plans that provide disability benefits and an extension of the transition period to fully implement the new fiduciary rule.
On December 5, 2017, the Internal Revenue Service issued Notice 2017-72, the 2017 list of required amendments. There are changes to qualification requirements that may make it necessary to amend some plans.
Tax Cuts and Jobs Act
This summary compares the Senate Bill to the House Bill regarding key welfare and fringe benefit provisions.
This article summarizes what’s in the current Senate Tax Bill for qualified retirement plans.
The Senate Bill proposes important changes to executive compensation for both tax-exempt organizations and for-profit companies.
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HR Rapid Reads is published by Findley Davies | BPS&M to provide general information about recent developments and current topics in employee benefits. The information provided is a summary and should not be relied upon in lieu of the full text of a particular law, regulation, notice, opinion, legislative proposal or other pertinent information, and the advice of your legal counsel. Findley Davies | BPS&M does not practice law or accounting, and this publication is not legal or tax advice. Legal issues concerning your employee benefit plans should be discussed with your legal counsel. 
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