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ARTICLE · 26 JUNE 2019

Hot Off The Presses: Latest 401(k) Trends & Developments

McDermott Will & Emery
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Diane M. Morgenthaler and Jeffrey M. Holdvogt recently presented the webinar "Student Loan Benefits and Other 401(k) Developments" at the Worldwide Employee Benefits Network

United StatesEmployment and HR
Jeffrey M. Holdvogt
Jeffrey M. Holdvogt
Diane Morgenthaler
Diane Morgenthaler
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WHY CONSIDER STUDENT LOAN REPAYMENT BENEFITS?

  • Tool to attract and retain talent
    • Easy to understand
    • Student loan debt = significant problem, particularly for younger employees with advance degrees
    • ax advantage to employees (if structured correctly)

EMPLOYER OPTIONS FOR STUDENT LOAN BENEFITS (GENERALLY)

  • Employer contribution to 401(k) plan tied to an employee's student loan repayments
    • Provide additional contribution or reallocate existing/available dollars (match replacement)
    • Benefit tied to student loan repayments can get employees started toward retirement savings
  • Employer contributions (or employee after-tax contributions?) used to pay off student loan debt directly

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