TRA MAKES NEWS HAPPEN

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  CASE OF THE WEEK – Deferral Limits SIMPLE + 401(k)

  February 20, 2026 - Understand how a 53-year-old participating in both a SIMPLE IRA and a 401(k) can maximize 2026 salary deferrals under IRC 402(g) limits. Continue
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  Plan Sponsors Ask…

  February 17, 2026 - Discover why automatic escalation is gaining traction among plan sponsors. JP Morgan’s 2025 survey shows 89% of participants with automatic contribution increases are satisfied and more confident about lifetime savings. Continue
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  CASE OF THE WEEK – Qualified Charitable Distributions

  February 13, 2026 - Learn how qualified charitable distributions from IRAs let individuals age 70½ or older donate directly to eligible charities while excluding the amount from taxable income and satisfying required minimum distributions. Includes annual limits and key IRS rules. Continue
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  TRA and Plan Notice Simplify 401(k) Plan Compliance Through Automation

  February 10, 2026 - TRA and Plan Notice simplify 401(k) compliance by automating participant notice delivery, tracking, and documentation. Learn how this solution reduces fiduciary risk, improves efficiency, and enhances participant understanding. Continue
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  CASE OF THE WEEK – ADP and Roth Catchups

  February 6, 2026 - Learn how mandatory Roth 401(k) catch‑up rules for high earners affect ADP testing corrections, why the order of fixing ADP and 414(v)(7) failures matters, and how timely corrections can prevent distributions and excise taxes. Continue
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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