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Market-based cash balance plans: Re-evaluating an often-overlooked retirement plan design after SECURE 2.0

These plans offer a unique opportunity for all types of plan sponsors.

By: Fidelity Investments

Updated: 4/4/2024

Key Takeaways

Market-based cash balance plans have been popular with certain employers but have been overlooked by larger companies. It's a great time to revisit this opportunity now that SECURE 2.0 has provided favorable legal clarification, making this option even more attractive.
This type of plan can offer greater retirement benefits in a tax-sheltered vehicle.
Fidelity can help you evaluate the various aspects of cash balance plan structures to help you determine which makes sense for your organization.

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Market-based cash balance plans

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