Coverage Testing Explained: Making Sure Your Plan Serves the Right Employees

A retirement plan is built around eligibility and participation rules, but those rules also create a compliance-testing question: whether the plan is benefiting the employee groups it is designed to serve under applicable requirements.

Recent Blog Posts

GOOD NEWS FROM MEMPHIS - GOOD NEWS FOR MEMPHIS OCTOBER 13, 2026

News

October 13, 2026

Let’s keep sharing the good news!I know many of you are on fall break, but the good news in Memphis doesn’t stop. So we need to keep sharing it FOR MEMPHIS.

Highly Compensated Employees: How the Definition Affects Your Testing

Retirement

October 12, 2026

During October’s compliance-testing focus, the definition of a highly compensated employee is an important item for business owners to understand at a high level.

Oil-fueled rotation lifts the Dow while chip selloff weighs on the Nasdaq

Personal Investor

October 12, 2026

Stocks chopped into the close as rising crude and a memory‑chip slump split the tape: the Dow rose, the S&P 500 was little changed, and the Nasdaq slipped, with traders staying cautious ahead of midweek inflation data and the bank-earnings kickoff while the bond market was shut for the holiday.

Reviewing Preliminary Testing Results Before the Fourth Quarter Rush

Retirement

October 9, 2026

October is a useful point in the compliance calendar because preliminary testing information can turn year-end surprises into a planning conversation.

Stocks rebound into the close as oil cools and breadth improves

Personal Investor

October 9, 2026

U.S. equities finished higher, recouping part of Thursday’s AI-led selloff. The Dow, S&P 500, and Nasdaq each rose around two‑thirds of a percent, with the S&P back near record territory as gains broadened beyond mega‑cap tech. Oil prices eased and long‑term Treasury yields held near—but a touch off—recent highs, setting the stage for bank earnings next week.

Stocks climb as cooler jobs tilt Fed calculus; tech and consumer names lead while energy slips

Personal Investor

October 2, 2026

Equities pushed higher after a softer September payrolls print eased fears of another near‑term rate hike, helping growth stocks regain their footing.