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Qualified retirement plans offered by businesses must adhere to the guidelines as outlined under ERISA (the Employee Retirement Income Security Act). ERISA oversees retirement plans in the private sector and regulates how things like vesting, disclosures, reporting, communication, and funding of the plan are to be handled. In order to qualify as a participant in a qualified retirement plan, you must be at least 21 years old and have worked at least 1,000 hours a year at a business that...
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