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In 1981, about 64% of all pension plan participants had a “traditional” defined benefit pension. Instead, defined contribution plans such as 401s have grown in popularity, and in 2019, retirement savers had a total regarding $7. 4 trillion put in in these plans. Despite the provisions of 840 CMR 19. 00, old age boards which have acquired an exemption in agreement with 840 CMR 20. 00 may retain investment decision responsibility for sufficient resources necessary to cover existing disbursements. Every retirement panel which has retained a new qualified investment manager should require said manager to be able to report key personnel staffing needs changes to the old age board and the Commission on or before the effective date of such changes. Board members shall require the qualified investment manager or managers or brokers to disclose in writing to the board all commissions charged on all transactions and investments made. Any board may employ a qualified investment manager as defined in 840 CMR 16. 01 to advise the board on the purchase and selling of investments.
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