Principal Financial Group Inc. has developed a Web-based tool to help administrators of 403(b) retirement plans cope with major changes in federal regulations.

The tool can show users how the changes will affect 3 different types of 403(b) plans, according to Principal, Des Moines, Iowa.

The tool also can show users how to classify the structures of their own plans and what steps they have to take to keep their own plans in compliance with Internal Revenue Service guidelines, Principal says.

The new regulations are set to take effect Jan. 1, 2009.