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The Business of Benefits

Making Sense of Retirement Plan Layers and Complexities

12b-1 proposal

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The REAL Problem With the New 12b-1 Rule: SEC’s Treatment of 401(k) Participants as 403(b) Participants

By Robert Toth on November 3, 2010
Posted in General Comment
Much has been written about the SEC’s proposed changes to the mutual fund 12b-1 rules. The proposed rules have caused quite a stir in the retirement plan world, as so much of the costs of plan administration and distribution are funded by these arrangements. 
 
What is being overlooked, however, is a much more disturbing

…

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Bob Toth has practicing employee benefits law since 1983. His practice focuses on the design, administration and distribution of financial products and services for retirement…

Bob Toth has practicing employee benefits law since 1983. His practice focuses on the design, administration and distribution of financial products and services for retirement plans.

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Conni Toth, co-founder and managing consultant for Applied Pension Professionals, LLC, brings more than 25 years of experience in retirement planning to the financial…

Conni Toth, co-founder and managing consultant for Applied Pension Professionals, LLC, brings more than 25 years of experience in retirement planning to the financial services industry.

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