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  1. Dental Insurance 101

    What Is Dental Coverage? Dental coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered through employers. When you have dental insurance, you pay a premium and then your insurance will cover pa...
  2. Qualifying Life Events

    While you are generally only allowed to change your benefits elections during the open enrollment period each year, certain life events provide an exception. Those life events allow you to change your benefits elections in the middle of the plan y...
  3. Understanding Health Insurance Terms

    Advance Premium Tax Credit  – A new tax credit provided by the Affordable Care Act to help you afford health coverage purchased through the Marketplace. Advance payments of the tax credit can be used right away to lower your monthly premium cost...
  4. What is the Vault?

    The Sentinel Online Vault is a way for Plan Sponsors to maintain all of their investment-related plan documents all in one place! The Vault is a user-friendly, safe and secure website that houses all of your plan’s important fiduciary documents suc...
  5. How do I access the Vault?

    The Vault is a secure website that houses all of your plan’s important fiduciary documents.  The Vault can be accessed via the Plan Sponsor Website or directly at sentinelgroup.sentinelvault.com . ...
  6. What does it mean to have a fund on watch?

    Sentinel’s Fiduciary Governance System (FGS) reports makes it very difficult for an Investment Manager to reach Acceptable or Superior ratings.  We believe “Watch” means exactly that: “to be alertly on the lookout". When an investment manager is on ...
  7. What is the FundScape Report?

    Fiduciary Governance System (FGS) is a proprietary rating system designed to evaluate actively managed investment funds offered in a retirement plan.   FGS considers 3 major quantitative categories in its scoring system.   They are as follows:     ...
  8. What is Revenue Recapture and what does it mean to my plan?

    An ERISA Account is a plan level account that captures excess income (12b-1 fees, Service Fees) collected by the recordkeeper that can be used to pay eligible plan expenses or allocated back to participants.  The expense ratio of a mutual fund is t...
  9. How to Update Employee Contact Information and/or Security Questions

    Because the employee was not able to correctly answer one of their own security questions, or if no questions are currently on file, we are not able to authenticate their identity properly.  We have asked the employee to reach out to you for assista...
  10. 3(21) & 3(38) Advisory vs Broker

    There are three ways to engage a financial professional to assist with the advisory operations of your retirement plan.  3(38) Discretionary Fiduciary Advisor 3(21) Non-Discretionary Fiduciary Advisor Broker of Record (BOR) A 3(38) fiduciary a...