TRA MAKES NEWS HAPPEN

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  Plan Sponsors Ask…

  February 3, 2026 - 401(k) participants are paying significantly lower mutual fund fees than 25 years ago. ICI’s 2024 report shows equity fund expense ratios down 66%, bond funds down 69%, and target date funds down 57%, boosting retirement outcomes. Continue
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  CASE OF THE WEEK – Allocation Formulas

  January 30, 2026 - Learn how the most common profit sharing contribution formulas compare, including pro rata, flat dollar, integrated, and cross tested methods. Understand how each allocation approach works and how it can affect contributions for different employee groups. Continue
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  A Retirement Readiness Reality Check

  January 27, 2026 - Nationwide’s 2025 Protected Retirement Survey reveals a disconnect between employee optimism and actual retirement readiness. Learn why confidence doesn’t equal preparation and what plan sponsors can do to close the gap. Continue
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  CASE OF THE WEEK – 5% Owner and RMDs

  January 23, 2026 - Learn when a still‑working participant must take an RMD if their ownership drops to 5 percent or less. This guide explains how the end‑of‑plan‑year ownership test works, when the still‑working exception applies, and why timing of the ownership change matters. Continue
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  TRA’s Amy Hilton Recognized by NIPA for Excellence in Retirement Services

  January 21, 2026 - TRA’s Amy Hilton is featured in NIPA’s Women in Business Spotlight, highlighting her leadership in retirement plan administration and her commitment to service, learning, and empowering future women in the industry. Continue
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  TRA and STAX.ai Revolutionize 401(k) Administration Through Automation

  January 20, 2026 - TRA and STAX.ai automate payroll integration and strengthen 401(k) compliance, reducing manual work and improving accuracy for plan sponsors and TPAs. Continue
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  CASE OF THE WEEK – Cannabis

  January 16, 2026 - Learn whether a 401(k) plan can invest in a cannabis company. Understand the legal landscape, ERISA fiduciary limits, provider restrictions, and why most plans avoid direct cannabis investments despite no explicit statutory ban. Continue
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  CASE OF THE WEEK – Canadian 401(k) Rollover

  January 9, 2026 - Explore key considerations for Canadian residents with U.S. retirement plans. Learn how the Canada–U.S. Income Tax Treaty impacts 401(k) and IRA rollovers, and why tax treatment differences matter for retirement planning. Continue
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  PRESS RELEASE – The Retirement Advantage, Inc. (TRA) Promotes India Troyer to Chief Financial Officer

  January 5, 2026 - The Retirement Advantage, Inc. has promoted India Troyer to Chief Financial Officer. Troyer will lead financial strategy and operations, driving growth and innovation. With more than 18 years of experience, she has been instrumental in strengthening processes and guiding strategic initiatives since joining TRA in 2016. Continue
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  CASE OF THE WEEK – PTO as 401(k) Contribution

  January 2, 2026 - Employers may allow employees to convert unused PTO into 401(k) contributions if both the plan document and PTO policy permit it. The IRS supports this under Revenue Rulings 2009-31 and 2009-32, but contributions must comply with nondiscrimination rules and IRS limits. While coordination can be complex, this option can help employees boost retirement savings. Continue