Overview

Welcome to Cowden Associates, Inc.’s (Cowden) Information Center, which provides you with up-to-date information on latest trends, issues and legislation in the industry.

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Investment Review

Manufacturing client with a $30 million dollar Defined Contribution Plan had utilized the service of a bank for approximately ten years.  Assets were invested in a mix of bank managed funds and funds offered by various mutual funds.  Participants were offered 23 funds with average combined fees (recordkeeping, administrative and investment management) equal to 1.17% of assets or $292,500.Read More

Internal Claims and Appeals and External Review Processes

The The Departments of the Treasury, Labor and Health and Human Services have released detailed guidance implementing the rules for group health plans and health insurance coverage in the group and individual markets under provisions of the PPACA regarding internal claims and appeals and external review. Read more

 

Coverage For Preventive Services

The Patient Protection and Affordable Care Act (PPACA) requires that a group health plan and a health insurance issuer offering group or individual health insurance coverage provide benefits for and prohibit the imposition of cost-sharing requirements on preventive services. Read more

Opinion Survey on Employer's Actions

Cowden Associates, Inc. releases Opinion Survey on Employer's Actions in 2014. Read more

DOL Releases Final Fee Disclosure Regulation

On July 16, 2010, the DOL released an 'interim final regulation' under ERISA Section 408(b)(2) related to the disclosure of fees by service providers. Read more