In This Issue
IRS Pension Limits
Rates up 41%
Healthcare Legal Rulings
Manage Your Money
Healthcare Reform Resource Center
Government Seal
With provisions taking effect from now until 2018, G&W will be your health care reform resource every step of the way.

Who, What, When

Small Biz Healthcare Tax Credit

Extension of Dependent Coverage to age 26

Grandfathered Plans
Retirement Plan Fiduciary Toolkit
The Department of Labor requires Plan Sponsors to fulfill Fiduciary duties.  G&W has developed a set of tools to help protect you from risk and build a successful retirement plan.

Benchmark the costs and services of your plan with industry averages and leading providers. 

Independent resource for conducting mutual fund analysis. 

Financial Soundings
Comprehensive participant retirement advice program that provides both savings and investment recommendations.

Gardner & White Newsletter
Employee Benefit Plan Services

We would like to extend warm holiday greetings to you and your staffWe hope you have a safe and joyful holiday.

IRS Pension Plan Limitations for 2011 

The Internal Revenue Service announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2011. In general, these limits will either remain unchanged, or the inflation adjustments for 2011 will be small. Highlights include:

  • The elective deferral (contribution) limit for employees who participate in section 401(k), 403(b), or 457(b) plans, and the federal government's Thrift Savings Plan remains unchanged at $16,500.
  • The catch-up contribution limit under those plans for those aged 50 and over remains unchanged at $5,500.


New State-by-State Report on
Health Insurance Premiums 

Premiums for employer-sponsored family health insurance increased an average of 41 percent across states from 2003 to 2009, more than three times faster than median incomes, according to a new Commonwealth Fund report. Yet, insurance is buying less. The report found that deductibles per person rose 77 percent, on average. Higher premiums plus higher out-of-pocket costs are putting working families' budgets under stress across the country.


Source: Commonwealth Fund

A Guide to Health-Care Rulings

A Virginia federal judge ruled the Obama administration's health-care law unconstitutional.  This is one in some two dozen challenges to the law.  Click the following link to see an overview of the key rulings so far - and a look at a big decision to come in Florida. 

Guide to Health-Care Rulings

Source: Wall Street Journal

Manage your Money with 
If you've tried to build a budget in the past and just couldn't stick to it, we understand. Until now, trying to see where you're spending and where you can cut back has been too difficult. But once you understand a few basic principles and start tracking your spending with, you'll be able to set and stick to realistic goals, easily and automatically.

This free online service can be of great value to you and your staff.  This can be especially helpful with employees who may need to save more for retirement. 

Check it out and spread the word! 

This e-newsletter is provided free of charge and is designed to provide accurate and authoritative information of a general nature.  If you have specific legal questions uniquely related to your organization, the services of an attorney should be sought.  You are welcome to reprint this material with credit given to GARDNER & WHITE.