Ary Rosenbaum, That 401(k) Guy

News

Making Retirement Plan Tax Credits Too Complicated for the Businesses That Need Them Most

Washington has a remarkable talent for creating programs designed to help small businesses while ma...

by Ary Rosenbaum, That 401(k) Guy

Life Beyond 401(k)

What Were They Thinking? Eddie Lampert and the Slow-Motion Execution of Sears and Kmart

Eddie Lampert’s original thesis for Sears and Kmart wasn’t crazy. In fact, on paper, it had som...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Sponsors

Auto-Enrollment Is Easy—Until It Isn’t

Auto-enrollment is one of those retirement plan features that sounds wonderfully simple in a sales ...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Sponsors

Eligibility Rules: Why Something So Simple Became So Complicated

Once upon a time, 401(k) eligibility was easy. Age 21. One year of service. Quarterly entry dates. ...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Sponsors

Your Payroll Provider Just Changed Something. Why Your 401(k) Team Should Panic a Little.

Few words in retirement plan administration should trigger more anxiety than: “We changed payroll...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Providers

Your Call Center Is Your Brand

Providers love talking about technology. Modern platforms. Digital enrollment. AI tools. Partici...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Providers

The Vendor Blame Game

Every retirement plan problem seems to follow the same script. A contribution is wrong. A loan p...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Providers

If Your Best People Are Constantly Firefighting, Your Process Is Broken

When I worked for TPAs as an attorney, there were days I felt less like legal counsel and more like...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Providers

Your Recordkeeper Isn’t Your TPA, Even If They Act Like It

Plan sponsors love the idea of simplicity. One provider, one platform, one point of contact. The re...

by Ary Rosenbaum, That 401(k) Guy

For 401(k) Plan Providers

When a Good Partnership Ends Over the Wrong Reason

I had a plan provider sponsoring many of my events. It was a great relationship, the kind that work...

by Ary Rosenbaum, That 401(k) Guy