Discuss the scope and breadth of

The search should not aim to be exhaustive. It should be based on the need to inform the development of the draft scope and the issues to be discussed at a scoping workshop if this is held. The sources searched should be informed by the topic, the type of questions the guideline will seek to address and the type s of evidence sought.

Discuss the scope and breadth of

How is the delay in retirement age calculated? The best way to understand the delay in retirement age calculation is to understand the BrightScope RatingTM calculation. First, BrightScope defines the characteristics of the average participant AP in a k plan. These four factors - age, gender, income and starting account balance - are held constant across all plans.

The other factors that affect retirement security - company contributions, fees, vesting schedules, eligibility periods etc. BrightScope calculates this actuarial retirement value for every age of the AP's life.

The resulting sequence of values is called the "retirement goal line. In order to accomplish this, BrightScope runs thousands of simulations per plan of the account value growth of the AP. For each simulation BrightScope notes the age at which the account value exceeds the "retirement goal line" value, which we call the "retirement age.

Lower retirement ages receive higher scores and higher retirement ages receive lower scores on the scale. Because BrightScope has a median retirement age for every plan we can simply subtract the delay in retirement age from one company versus the top company in its peer group.

The delay in retirement calculations apply solely to a single defined contribution plan and do not take into account other retirement plans and programs offered by the employer.

What are "peer groups"? In order to compare k plans, BrightScope constructs a unique peer group for every single plan. BrightScope's peer group algorithm takes into account the number of participants in the plan, the level of assets in the plan, and the industry of the plan sponsor.

By controlling for these factors, BrightScope makes sure that plan design and performance comparisons are appropriate and relevant. Where does BrightScope get its data and is it all publicly available? BrightScope obtains some of its data from public sources such as the Department of Labor, the Securities and Exchange Commission, the U.

Mutual fund return history data is obtained from Lipper. Data on k fees comes from company filings, and directly from plan sponsors who work with us to improve their plan. While all participant-level data is protected and confidential, we aggregate data across comparable companies to construct relevant benchmarks for fees, plan design and plan performance.

BrightScope believes it possesses the most comprehensive database of k information in the country. The company leverages this database to provide plan sponsors, advisors and participants with accurate and high quality data to help them make more informed decisions.

What are the average fees in a k plan? I don't see any fees in my quarterly statement but my company has a poor score for "Total Plan Cost" Most k fees are netted against fund returns. What that means is that the investment return is reduced by the amount of the fee or cost.

Thus, the gross return and the total economic impact to you of fees and costs are hidden. There are legislative and regulatory initiatives underway that would mandate full disclosure of all economic costs to your retirement plan account. Some combination of new legislation or enhanced regulatory disclosure requirements will likely resolve the lack of clarity surrounding k plans generally.

Based on BrightScope data, the average k total plan cost can be as low as 0. Total Plan Cost is highly dependent upon the size of the plan, the average account balance of the plan and the type of provider used bank, mutual fund company, insurance company etc.

Total plan cost includes asset-based investment management fees, asset-based administrative and advice fees, and administration, and other fees including insurance charges. The conventional k statement does not itemize these fees, but simply shows reduced net returns so your account reconciles on your statement.

How up to date is the data in the rating? BrightScope uses information that is as up to date as possible, given all of our data sources and our judgment as to whether the data is reasonably likely to remain informative up to the present.

Discuss the scope and breadth of

BrightScope places a timestamp on all of our data in the "? The oldest information currently used was accurate as of year-end BrightScope is working proactively with recordkeepers, providers, the Department of Labor and other government agencies to speed up access to data.

How does the rating take into account the uncertainty of future returns? The BrightScope RatingTM Engine is a nondeterministic system that runs thousands of simulations of future returns paths for the asset classes represented in company k plans.

Historical alpha for funds, historical covariances of asset classes and fund-level fee information are all used as inputs to the simulations. How does BrightScope verify data received from users and other non-government sources?

BrightScope has developed a rigorous process to ensure that all data received from plan sponsors and other non-government sources is accurate. The first step in this process is a complete analysis by BrightScope's research team. Each form that BrightScope requests has its own checklist to verify that the form is current and has not been tampered with.The term Political Science is intimately related to the word 'Politics', which itself is derived from the Greek word — 'Polis' — that means a .

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