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Dated: 11-26-2015
A Qualified Default Investment (QDIA) is an investment covered under the 2006 Public Procurement Act (PPA) regulation providing added fiduciary protection for an investment accepting participant contribution in the absence of their affirmative election. An employer need not offer a QDIA, however if the plan uses an automatic enrollment feature or if an employer makes non-elective contributions to an employee directed account in which the participant may not have made an active investment selection it may be prudent to take advantage of this safe harbor permitted under Employee Retirement Income Security Act (ERISA) 404©(5). The QDIA is meant to be a single investment designed to meet participant’s long-term savings needs.
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8
Dated: 11-26-2015
With multiple highly credible studies underscoring the effectiveness of employing financial incentives to motivate weight loss, including those cited in the Archives of Internal Medicine and the Journal of the American Medical Association, the marketplace has followed suit with various companies now offering the opportunity to “diet for dollars.” However, how can health-seekers discern if a Web site offering to pay for lost pounds is legit?
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