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	<title>Employee Benefits Unplugged</title>
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	<description>Employee Benefits Unplugged - Straight Talk. Plain English</description>
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		<title>Employee Benefits Unplugged</title>
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		<title>We Moved and Relaunched!</title>
		<link>http://jewellerisa.wordpress.com/2011/02/08/we-moved-and-relaunched/</link>
		<comments>http://jewellerisa.wordpress.com/2011/02/08/we-moved-and-relaunched/#comments</comments>
		<pubDate>Tue, 08 Feb 2011 16:06:10 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=561</guid>
		<description><![CDATA[&#8220;Employee Benefits Unplugged has moved and relaunched with added content and a new look! While the web address remains www.EmployeeBenefitsUnplugged.com, the blog platform has changed. This means that you will need to visit www.EmployeeBenefitsUnplugged.com to update your RSS bookmarks or subscribe via e-mail, if desired, to receive the latest posts. Thank you for your readership, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=561&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Temporary Relief for Insured Group Health Plans: Nondiscrimination Rules Delayed</title>
		<link>http://jewellerisa.wordpress.com/2011/01/04/temporary-relief-for-insured-group-health-plans-nondiscrimination-rules-delayed/</link>
		<comments>http://jewellerisa.wordpress.com/2011/01/04/temporary-relief-for-insured-group-health-plans-nondiscrimination-rules-delayed/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 15:06:17 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=558</guid>
		<description><![CDATA[These group health plan rules continue to confuse and confound, as such the IRS is delaying the application of the nondiscrimination rules.  The nondiscrimination rules for insured group health plans are part of the Patient Protection and Affordable Care Act (PPACA) passed in March of last year.  Even before enactment of the PPACA, self-insured group [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=558&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2011/01/04/temporary-relief-for-insured-group-health-plans-nondiscrimination-rules-delayed/feed/</wfw:commentRss>
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		<title>Late Employee Elective Deferrals &#8212; Department of Labor Continues to Investigate Fiduciaries</title>
		<link>http://jewellerisa.wordpress.com/2011/01/04/late-employee-elective-deferrals-department-of-labor-continues-to-investigate-fiduciaries/</link>
		<comments>http://jewellerisa.wordpress.com/2011/01/04/late-employee-elective-deferrals-department-of-labor-continues-to-investigate-fiduciaries/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 14:51:44 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/2011/01/04/late-employee-elective-deferrals-department-of-labor-continues-to-investigate-fiduciaries/</guid>
		<description><![CDATA[Despite advice to the contrary, a company I once represented erroneously thought that being late on employee elective deferrals into a 401(k) was a mere minor problem, involving just tens of thousands of dollars. The Department of Labor investigated, some two years later. Generally, there is NO attorney-client privilege between an ERISA plan fiduciary and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=557&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">jewellerisa</media:title>
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		<title>IMPORTANT 2010 YEAR-END NOTICES FOR QUALIFIED RETIREMENT PLAN SPONSORS</title>
		<link>http://jewellerisa.wordpress.com/2010/11/18/important-2010-year-end-notices-for-qualified-retirement-plan-sponsors/</link>
		<comments>http://jewellerisa.wordpress.com/2010/11/18/important-2010-year-end-notices-for-qualified-retirement-plan-sponsors/#comments</comments>
		<pubDate>Thu, 18 Nov 2010 16:44:11 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[401(k) Plans]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=529</guid>
		<description><![CDATA[As we approach the end of 2010, we remind you to determine your need to provide certain required year-end notices, as the failure to provide required notices exposes a plan sponsor from $110 to $1000 per day, depending on the notice violation. The list below describes those notices and indicates applicable due dates: Safe Harbor [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=529&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/11/18/important-2010-year-end-notices-for-qualified-retirement-plan-sponsors/feed/</wfw:commentRss>
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		<title>IRS Announces Dollar Limits for 2011</title>
		<link>http://jewellerisa.wordpress.com/2010/11/01/irs-announces-dollar-limits-for-2011/</link>
		<comments>http://jewellerisa.wordpress.com/2010/11/01/irs-announces-dollar-limits-for-2011/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 22:20:42 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[402(g)]]></category>
		<category><![CDATA[COLA]]></category>
		<category><![CDATA[dave pearson]]></category>
		<category><![CDATA[ellerbrock]]></category>
		<category><![CDATA[esposito]]></category>
		<category><![CDATA[pension plans]]></category>
		<category><![CDATA[thrasher]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=506</guid>
		<description><![CDATA[On October 28, 2010, the Internal Revenue Service announced the cost of living adjustments applicable to dollar limitations for pension plans for the 2011 tax year. The limitations for the 2011 tax year will remain at the 2010 limitation levels.  These dollar limitations affect, among other things, the maximum amount that an employee may be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=506&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/11/01/irs-announces-dollar-limits-for-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jewellerisa</media:title>
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		<title>IRS Notice Delays Group Health Care Cost Reporting on Form W-2</title>
		<link>http://jewellerisa.wordpress.com/2010/10/29/irs-notice-delays-group-health-care-cost-reporting-on-form-w-2/</link>
		<comments>http://jewellerisa.wordpress.com/2010/10/29/irs-notice-delays-group-health-care-cost-reporting-on-form-w-2/#comments</comments>
		<pubDate>Fri, 29 Oct 2010 12:46:44 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Bob Ellerbrock]]></category>
		<category><![CDATA[Dana Thrasher]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[Jewell Lim Esposito]]></category>
		<category><![CDATA[Patient Protection and Affordable Care Act]]></category>
		<category><![CDATA[W-2]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=502</guid>
		<description><![CDATA[The Internal Revenue Service issued Notice 2010-69 (the “Notice”) on October 12, 2010.  The Notice provides relief to employers with respect to reporting the cost of coverage under an employer sponsored group health plan on an employee’s Form W-2. The Patient Protection and Affordable Care Act of 2010 established the requirement to report such cost [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=502&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/10/29/irs-notice-delays-group-health-care-cost-reporting-on-form-w-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jewellerisa</media:title>
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		<title>403(b) PLAN COMPLIANCE ISSUES UNEARTHED: Problems Encountered in 2010</title>
		<link>http://jewellerisa.wordpress.com/2010/10/25/403b-plan-compliance-issues-unearthed-problems-encountered-in-2010/</link>
		<comments>http://jewellerisa.wordpress.com/2010/10/25/403b-plan-compliance-issues-unearthed-problems-encountered-in-2010/#comments</comments>
		<pubDate>Mon, 25 Oct 2010 14:42:44 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[403(b) Plans]]></category>
		<category><![CDATA[5500]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Retirement Plans]]></category>
		<category><![CDATA[U.S. Department of Labor]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=455</guid>
		<description><![CDATA[403(b) PLAN COMPLIANCE ISSUES UNEARTHED: Problems Encountered in 2010 By Jewell Lim Esposito  Fairfax Office   In the past, unless a 403(b) program (or plan) was subject to the Employee Retirement Security Act of 1974, it had no documentation requirements and, even if subject to ERISA, very few reporting obligations. The last several years changed all [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=455&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/10/25/403b-plan-compliance-issues-unearthed-problems-encountered-in-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jewellerisa</media:title>
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		<title>What To Do If You Think Your Plan Will Fail Discrimination Tests This Year?</title>
		<link>http://jewellerisa.wordpress.com/2010/07/30/what-to-do-if-you-think-your-plan-will-fail-discrimination-tests-this-year-2/</link>
		<comments>http://jewellerisa.wordpress.com/2010/07/30/what-to-do-if-you-think-your-plan-will-fail-discrimination-tests-this-year-2/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 19:16:13 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Discrimination Tests]]></category>
		<category><![CDATA[Employer]]></category>

		<guid isPermaLink="false">https://jewellerisa.wordpress.com/2010/07/30/what-to-do-if-you-think-your-plan-will-fail-discrimination-tests-this-year-2/</guid>
		<description><![CDATA[It&#8217;s the end of July, and right about now, I get some panicked questions from employers regarding their retirement plans. It&#8217;s really to be expected. For calendar-year plans, Forms 5500 are due, so there are questions there. For those plans that required audit (new especially for 403(b) plans for 2009), the audits produce a host [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=440&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/07/30/what-to-do-if-you-think-your-plan-will-fail-discrimination-tests-this-year-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jewellerisa</media:title>
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		<title>How Employers Can Allow Employees to Contribute Unused Vacation Time Into a  401(k) Plan</title>
		<link>http://jewellerisa.wordpress.com/2010/06/29/how-employers-can-allow-employees-to-contribute-unused-vacation-time-into-a-401k-plan/</link>
		<comments>http://jewellerisa.wordpress.com/2010/06/29/how-employers-can-allow-employees-to-contribute-unused-vacation-time-into-a-401k-plan/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 15:16:04 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[401(k) Plans]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[IRS]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=432</guid>
		<description><![CDATA[In today&#8217;s economic climate and the demands of the office, more employees are finding themselves with excess vacation time that they cannot even begin to use.  Rather than lose the value of that unused vacation time, employees now might have a way to turn that vacation time into a contribution into their 401(k) plan.  In [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=432&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/06/29/how-employers-can-allow-employees-to-contribute-unused-vacation-time-into-a-401k-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jewellerisa</media:title>
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		<title>What Should An Employer Do When It Receives An IRS Notice of Levy to Garnish?</title>
		<link>http://jewellerisa.wordpress.com/2010/06/07/what-should-an-employer-do-when-it-receives-an-irs-notice-of-levy-to-garnish/</link>
		<comments>http://jewellerisa.wordpress.com/2010/06/07/what-should-an-employer-do-when-it-receives-an-irs-notice-of-levy-to-garnish/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 21:26:48 +0000</pubDate>
		<dc:creator>Jewell Lim Esposito</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Employer]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Notices]]></category>

		<guid isPermaLink="false">http://jewellerisa.wordpress.com/?p=424</guid>
		<description><![CDATA[What to do about garnishing and other strange notices?!  Oftentimes, the HR professionals get curious correspondence on their desks, unrelated to ERISA or Executive Compensation.  For example, we get asked about garnishment a lot and what companies must do when faced with such a notice.  Read below, from my colleague George Connelly.  George frequently &#8220;blawgs&#8221; on our [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=jewellerisa.wordpress.com&amp;blog=8311367&amp;post=424&amp;subd=jewellerisa&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://jewellerisa.wordpress.com/2010/06/07/what-should-an-employer-do-when-it-receives-an-irs-notice-of-levy-to-garnish/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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