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  1. HRA Annual Enrollment Process

    Overview of Sentinel's HRA open enrollment process and data transfer options available.
  2. How can a participant request a loan?

    Participants will request loans through the Sentinel website using the “Request a Loan” option under the Manage My Account menu. Through the online wizard, the participant will see current loan balances and the amount available for a new loan. The m...
  3. What are 3(16) Plan Administration Services?

    Every tax-qualified retirement plan must have a person that serves as the “Plan Administrator” as defined in ERISA Section 3(16). The Plan Administrator is a statutory plan fiduciary and is ultimately responsible for all aspects of running the ERISA...
  4. FSA Contribution Processing Methods

    Sentinel will process contributions in relation to the employee’s pay schedule with the employer. To properly administer the allocation of contributions, it is critical that there is clear and timely communication between the Plan Sponsor and Sentin...
  5. SECURE Act 2.0 Reference Guide

    The SECURE 2.0 Act was passed by Congress on December 23, 2022, as part of the Consolidated Appropriations Act of 2023. This retirement plan legislation builds upon the Setting Every Community Up for Retirement Act of 2019 (SECURE Act of 2019) a...
  6. Who is the Third Party Administrator (TPA)?

    Sentinel Benefits & Financial Group is the third party administrator and recordkeeper, a non-fiduciary, helping you fulfill your administrative and compliance responsibilities in connection to the retirement plan. This includes assistance with compl...
  7. What is a Fidelity Bond?

    ERISA requires that every fiduciary of an employee benefit plan and every person who handles plan funds be bonded. These bonds cover the plan from loss of assets due to fraud or dishonesty. The ERISA bond is required to protect the participants and ...
  8. What is Group Disability Insurance?

    Disability insurance has become an increasingly valuable part of a comprehensive employee benefits package. Not only does disability insurance fill the gaps in financial protection offered by other programs like Social Security, it is also a highl...
  9. Plan Info & Forms (Reimbursement Accounts)

    Accessing Plan Information Select Tools from the menu on the left. In the Plans section you will find options to view the same info as the employees for all active and inactive plans. Information available is:  Plan Summaries Plan Details and ...
  10. What are the timing rules for submitting employee deferral contributions into the plan?

    Department of Labor (DOL) regulations require an employer to segregate employee contributions, including loan repayments, from its general assets at the earliest date on which the contributions can reasonably be segregated from corporate assets, but...