Industry updates, regulatory changes, and insights on retirement data management.
Starting in 2026, SECURE 2.0's Section 603 requires that catch-up contributions from higher-earning employees be made on a Roth (after-tax) basis instead of pre-tax. The tax rule is simple. The data problem behind it isn't.
In 2025, the SPARK Institute released voluntary API guidelines to replace that model — and 2026 is the year the industry starts building toward it.
SECURE 2.0's compliance grace period ends December 31, 2026. For most calendar-year plans, what your plan document says and what your plan actually does will need to match.
The SECURE Act 2.0 introduced significant changes to how plan sponsors can handle orphaned accounts and small balances. Learn what these changes mean for your organization and how to take advantage of new automatic rollover provisions.
Every payroll system exports data differently. Every provider expects it in their own format. This fragmentation creates hidden costs that add up quickly — from manual processing hours to rejection rework and compliance risk.
SPARK format is the retirement industry standard for data exchange. Understanding SPARK is essential for anyone working with retirement plan data transfers.