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In most cases, advisors to
small businesses would stop
servicing these clients because
of increased complexity, costs,
and liability.
Consequences
Small business owners
of theseemployees will
rules:
and their
Small business owners
lose access to retirement
and their employees will
saving options.
lose access to retirement
saving options.
Advisors to small business retirement
plans with less than 100 participants or
$100 million in assets would face additional
hurdles and compliance requirements.
The Department of Labor
is considering new rules
expanding the definition
of fiduciary investment
advice that would impact
all businesses and plans.
Complex
regulation
=
Higher
costs
THE THREAT
TO SMALL
BUSINESS
RETIREMENT
SAVINGS
Small businesses
produce about 63%
of new private-sector
jobs annually and
account for 99% of
U.S. employers.
Affordable financial
advice will be harder
to find for small plans.
For current small
business employees,
services will likely
decrease or costs
will increase.
SHOP
Small businesses often offer simplified
retirement plans, like SEP or SIMPLE IRAs,
for employees to save for retirement.
SEP and SIMPLE IRAs from
small businesses provide
$472bn
in retirement savings
for more than 9 million
households.
The proposed regulations
risk hurting the small
businesses and workers
they are intended to protect.
COFFEE
To learn more
and take action
Visit
www.us
chamber.com/
Retirement
Action
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