<?xml version="1.0" encoding="utf-8"?><rss xmlns:a10="http://www.w3.org/2005/Atom" version="2.0"><channel><title>Articles for Spark :: Risk</title><link>https://www.adp.com/~/spark_feed/risk</link><description>Whether it’s financial or reputational risk you’re thinking about, education is key when it comes to devising strategies to minimize exposure. Sample topics within ‘Risk’ include the Affordable Care Act (ACA), wage and hour regulations, and data security.</description><language>en-us</language><copyright>Copyright 2026 ADP, LLC, All Rights Reserved</copyright><generator>Spark RSS Feeds</generator><item><guid isPermaLink="false">85bc1a3b-4785-4005-8a57-a999fe3c78f4</guid><link>https://www.adp.com/spark/articles/2026/08/401k-roles-explained-whos-accountable-for-what.aspx</link><title>401(k) Roles, Explained: Who's Accountable for What</title><description>Running a retirement plan involves more people than you might think and knowing who's responsible for what protects you from liability you didn't know you had. Here's a breakdown of the key roles.</description><pubDate>Wed, 26 Aug 2026 14:53:17 Z</pubDate><enclosure type="image/jpeg" url="https://www.adp.com/-/media/adp/blog/articles/featuredimages/8/5/854dab72-0eaa-484d-ace3-aac672415708_401k-roles-explained-whos-accountable-for-what.jpg?rev=5c12375bf3e045a8a77f4cb12ad51d6d&amp;hash=063EBCA697F9062D7FF5B52D8A133036" length="46587"></enclosure></item><item><guid isPermaLink="false">903a09f3-70fa-47e4-8739-88cf6c13d177</guid><link>https://www.adp.com/spark/articles/2026/08/final-pay-and-pto-payout-when-are-they-required.aspx</link><title>Final Pay and PTO Payout: When Are They Required?</title><description>Employees must receive final pay in accordance with federal and state law when their employment ends.</description><pubDate>Thu, 20 Aug 2026 05:17:58 Z</pubDate><enclosure type="image/jpeg" url="https://www.adp.com/-/media/adp/blog/articles/featuredimages/6/9/69eb4d82-7ca3-45e6-96fa-f9be05dfe299_final-pay-and-pto-payout-when-are-they-required.jpg?rev=368ebf97e1ba41a1a29443910735578e&amp;hash=B8BA961168E57C3159576E1CBFB5F0CE" length="51348"></enclosure></item><item><guid isPermaLink="false">454b7b11-058c-4cd4-a224-0b1f5df51738</guid><link>https://www.adp.com/spark/articles/2026/07/23-must-have-hr-forms-and-policies.aspx</link><title>23 Must-Have HR Forms and Policies</title><description>Documenting and communicating various aspects of the employment relationship can feel daunting for small businesses, especially when HR isn’t a full-time function. However, maintaining and using the right forms and policies can help reduce costly mistakes, demonstrate compliance, and create a more consistent employee experience as a business grows. The following are some essential forms and policies to consider.</description><pubDate>Wed, 08 Jul 2026 16:40:55 Z</pubDate><enclosure type="image/jpeg" url="https://www.adp.com/-/media/adp/blog/articles/featuredimages/a/9/a9140be7-50b8-43ad-b532-ed678b3afb77_23-must-have-hr-forms-and-policies.jpg?rev=64d77900839d486fa4c3b2ecc013d57f&amp;hash=FC88C3345D4D8F7528A49ED278CEC772" length="67325"></enclosure></item><item><guid isPermaLink="false">489ce316-2b9e-448a-ba34-3141b45b171b</guid><link>https://www.adp.com/spark/articles/2026/06/no-tax-on-tips-employer-payroll-guide.aspx</link><title>No Tax on Tips: Employer Payroll Guide</title><description>\"No Tax on Tips\" law changed the game for tipped employee payroll. Learn how large employers can manage tip compliance, streamline electronic tip payments, and navigate the 2025-2028 tax deduction rules in 2026.</description><pubDate>Wed, 17 Jun 2026 18:10:18 Z</pubDate><enclosure type="image/jpeg" url="https://www.adp.com/-/media/adp/blog/articles/featuredimages/3/b/3b51fd96-204d-425a-b0af-0cf2b20deb1b_no-tax-on-tips-employer-payroll-guide.jpg?rev=7d5f8326583741f19cc24a32967f8221&amp;hash=AFFB94E8A5AE24903A22D83E46DE6332" length="49208"></enclosure></item></channel></rss>