1. Short title; etc (a) Short title This Act may be cited as the Family Savings Act of 2018 . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; etc. Title I—Expanding and preserving retirement savings Sec. 101. Multiple employer plans; pooled employer plans. Sec. 102. Rules relating to election of safe harbor 401(k) status. Sec. 103. Certain taxable non-tuition fellowship and stipend payments treated as compensation for IRA purposes. Sec. 104. Repeal of maximum age for traditional IRA contributions. Sec. 105. Qualified employer plans prohibited from making loans through credit cards and other similar arrangements. Sec. 106. Portability of lifetime income investments. Sec. 107. Treatment of custodial accounts on termination of section 403(b) plans. Sec. 108. Clarification of retirement income account rules relating to church-controlled organizations. Sec. 109. Exemption from required minimum distribution rules for individuals with certain account balances. Sec. 110. Clarification of treatment of certain retirement plan contributions picked up by governmental employers for new or existing employees. Sec. 111. Elective deferrals by members of the Ready Reserve of a reserve component of the Armed Forces. Title II—Administrative improvements Sec. 201. Plan adopted by filing due date for year may be treated as in effect as of close of year. Sec. 202. Modification of nondiscrimination rules to protect older, longer service participants. Sec. 203. Study of appropriate PBGC premiums. Title III—Other savings provisions Sec. 301. Universal Savings Accounts. Sec. 302. Expansion of section 529 plans. Sec. 303. Penalty-free withdrawals from retirement plans for individuals in case of birth of child or adoption. I Expanding and preserving retirement savings 101. Multiple employer plans