employer-sponsored plan financial definition of employer-sponsored plan. employer-sponsored plan finance term by the Free Online Dictionary.

Employer Sponsored Retirement Plan

A retirement plan in which both an employer and an employee make contributions into an account each month. The contributions are invested on behalf of an employee, who may begin to make withdrawals after retirement. Typically, employer sponsored retirement plans are tax-deferred, meaning that the employee does not pay taxes on the funds in the pension until he/she begins making withdrawals. However, some plans are not tax-deferred, and, instead, employees make tax-free withdrawals. Employers are not legally required to offer retirement plans, though most major companies do. Plans may have defined contributions, defined benefits, or both. See also: 401(k), IRA.

Employer sponsored retirement plan. Employers may offer their employees either defined benefit or defined contribution retirement plans, or they may make both types of plans available.

Any employer may offer a defined benefit plan, but certain types of defined contribution plans are available only through specific categories of employers.

For example, 403(b) plans may be offered only by tax-exempt, nonprofit employers, and 457 plans only by state and municipal governments. SIMPLE plans, on the other hand, can only be offered by employers with fewer than 100 workers.

Corporate employers who contribute to a retirement plan can take a tax deduction for the amount of their contribution and may enjoy other tax benefits. However, the plan must meet certain Internal Revenue Service (IRS) guidelines.

Offering a retirement plan may also make the employer more attractive to potential employees. However, employers are not required to offer plans. If they do, they can make the plan as generous or as limited as they choose as long as the plan meets the government's non-discrimination guidelines.

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after-tax income Annuity Principal Automatic Enrollment Deductible Contribution Defined-Benefit Plan Dividend Excess Contribution Excess Deferral In-Service Withdrawal individual retirement account IRA IRA Rollover Net Unrealized Appreciation Nonqualified Annuity Rollover IRA Summary Plan Description Vesting	They call for distributions to commence by April 1 of the year following the calendar year in which the beneficiary turns 70 1/2 years of age or, if later, April 1 of the year following the year of retirement in the case of an employer-sponsored plan if the recipient owns less than 5% of the sponsoring entity, PLANNING OPPORTUNITIES The RMD holiday provides some flexibility: Forgoing the distribution is optional; it is not an all-or-nothing provision. Taking advantage of the RMD holiday for IRAs by Nevius, Alistair M. / Journal of Accountancy Munnell is an advocate for maintaining Social Security benefits as they stand now, given that both the federal pension program and employer-sponsored plans aren't providing enough retirement income. MY RETIREMENT PLAN: ALICIA MUNNELL, 66 by Karyn McCormack / BusinessWeek who participate in some kind of employer-sponsored plan. Retirement savings--fun with numbers by Boomer Market Advisor	Emision de gran demanda Emision prevendida Emision primaria bajo la par Emisor Emissor Emolumento Empardado y perdido Empire-Building Employable Employee Employee Benefits Security Administration Employee contribution Employee Contribution Plan Employee Retirement Income Security Act Employee Retirement Income Security Act of 1974 Employee Share Ownership Trust Employee stock fund Employee Stock Option Employee Stock Ownership Plan Employee Stock Purchase Plan Employer Employer Matching Contribution Employer Sponsored Retirement Plan Employer's Liability Insurance Employer-Funded Retirement Plan employer-sponsored plan Employment at Will Employment Cost Index Employment Expenses Employment Rate Empregado Empregador Empresa en marcha Empresa holding Empresa patrocinada por el estado Empresa viavel Empresariado Emprestimo Emprestimo sem juros Empty Head and Pure Heart Test empty nesters Ems EMTA En Baja En glissement annuel Enajenacion encapsulate encroachment Encryption encumber Encumbered	Employer Support of the Guard and Reserve Employer Task Force on Pensions Employer Training Investment Program Employer Training Pilot Employer Trip Reduction Employer Trip Reduction Program Employer Tuition Reimbursement Plan Employer Union Trust Fund Employer Verification of Insurance Coverage Employer Verification Service employer work stoppage Employer Workforce Training Account Employer's Agent Instruction Employer's Liability Employer's Liability Employer's Liability Acts employer's liability insurance employer's liability insurance Employer-Based Pension Employer-Based Pensions Employer-Based Transportation Demand Management Employer-Funded Retirement Plan Employer-Provided Health Insurance Employer-Provided Retiree Health Insurance Employer-Sponsored Insurance Employer-Sponsored Pension Plan employer-sponsored plan Employer-Sponsored Plans Employer-Sponsored Retirement Plan Employer-Sponsored Retirement Plans Employers Employers Employers Employers Employers Against Domestic Violence Employers and Manufacturers Association Employers Association of Florida Employers Association of the Northeast Employers Coalition of North Carolina Employers Confederation of Thailand Employers Confederation of the Philippines Employers Council on Flexible Compensation Employers Direct Insurance Company Employers Health Coalition of Ohio Employers Health Purchasing Corporation of Ohio Employers Holdings, Inc. Employers in Voluntary Housing Employers Insurance Company of Nevada Employers liability Employers liability Employers liability Employers Liability Insurance Employers Liability Insurance Employers Making a Difference Employers Non-Ownership Liability Employers One Source Group Employers organisation

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after-tax income
Annuity Principal
Automatic Enrollment
Deductible Contribution
Defined-Benefit Plan
Dividend
Excess Contribution
Excess Deferral
In-Service Withdrawal
individual retirement account
IRA
IRA Rollover
Net Unrealized Appreciation
Nonqualified Annuity
Rollover IRA
Summary Plan Description
Vesting

They call for distributions to commence by April 1 of the year following the calendar year in which the beneficiary turns 70 1/2 years of age or, if later, April 1 of the year following the year of retirement in the case of an employer-sponsored plan if the recipient owns less than 5% of the sponsoring entity, PLANNING OPPORTUNITIES The RMD holiday provides some flexibility: Forgoing the distribution is optional; it is not an all-or-nothing provision.

Taking advantage of the RMD holiday for IRAs by Nevius, Alistair M. / Journal of Accountancy

Munnell is an advocate for maintaining Social Security benefits as they stand now, given that both the federal pension program and employer-sponsored plans aren't providing enough retirement income.

MY RETIREMENT PLAN: ALICIA MUNNELL, 66 by Karyn McCormack / BusinessWeek

who participate in some kind of employer-sponsored plan.

Retirement savings--fun with numbers by Boomer Market Advisor

Emision de gran demanda

Emision prevendida

Emision primaria bajo la par