healthequity

HealthEquity blog

How to retire younger using an HSA

HSA, HSA investing, tax savings, 401(k)

FIRE (Financial Independence, Retire Early) is quickly becoming a new mantra for young workers and it just may be a solution to retiring early. It has piqued the interest and been reported in major news outlets like the New...

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Do CDH plans really work?

HSA, tax savings, 401(k), HSA contributions

The cost of healthcare continues to steadily rise year over year. In an environment of escalating premiums, many employers are in search of alternatives to the status quo. Whether the solution is a lower cost plan or increased...

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Why employees leave and how to keep them using a health and wealth strategy

HSA, Employers, tax savings, retirement, 401(k), HSA contributions

Since the inception of the employer-employee relationship there has been employee turnover. Every employer knows that turnover is inevitable and have factored in the costs into the price of doing business.

One way to lengthen...

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3 ways to make your HSA and 401(k) work together

HSA, HSA questions, 401(k)

If your employees are like most other workers in the U.S., it is highly likely that they are not saving enough for retirement. In fact, studies show that among all generational groups, many people will need to work much longer...

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What are the differences between a 401(k) and a SIMPLE retirement plan?

retirement, 401(k), Financial Advisors

Companies moving from a SIMPLE IRA to a 401(k) plan are usually seeking some additional flexibility and have outgrown their current SIMPLE plan. The questions arise: What is a SIMPLE retirement plan? And how is it different...

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The lowdown on 401(k) plan audits

retirement, 401(k), Financial Advisors

Have you ever had to endure a 401(k) Audit? For most plan sponsors, they are not a pleasant experience. We're not referring to being audited by the DOL or IRS, we're referring to the annual audit attached to Form 5500 that is...

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A simple guide to 401(k) testing

retirement, 401(k), Financial Advisors

The 401(k) industry is a complex mixture of rules and regulations that are written and enforced by numerous government entities. Due to this arrangement, there are a lot of complications that can arise. Every year, 401(k)...

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The 3(21) named fiduciary

retirement, 401(k), Financial Advisors

In the 401(k) marketplace, you will occasionally find separate companies that will sign onto your 401(k) plan in the role of 3(38) Investment manager, and even 3(16) Plan Administrator. However, when sponsors use these...

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What is the role of a 3(16) plan administrator?

retirement, 401(k), Financial Advisors

One of the things that makes a HealthEquity Retirement 401(k) plan different than most is that HealthEquity Retirement signs and acts as your 3(16) Plan Administrator. As we explain this to prospective clients, especially...

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What is a 3(38) investment manager?

retirement, 401(k), Financial Advisors

The HealthEquity Retirement solution for 401(k) plans is unique in that HealthEquity Retirement signs and acts in the primary fiduciary roles so that the employer does not have to do so. HealthEquity Retirement acts as the...

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