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Ary Rosenbaum, That 401(k) Guy

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All posts by Ary Rosenbaum, That 401(k) Guy

Mediocrity Isn’t an Accident

I used to think it was random. Watching mediocre people get pushed forward at work and in life, I f...

The Hidden Cost of “Sounds Good” Plan Design

I’ve always liked immediate eligibility for deferrals. Clean, simple, easy to explain. Let people...

What Were They Thinking? The Night Cheap Beer Took Over

On June 4, 1974, the Cleveland Indians hosted the Texas Rangers at Cleveland Municipal Stadium and ...

When Your Payroll Provider Is Also the TPA, Who’s Watching the Store?

The most expensive calls I get usually start the same way. “Our payroll provider handles the TPA ...

The Government Wants You in the Game, But That Doesn’t Mean You’re Ready

The latest executive order aimed at expanding retirement savings sounds like a win on paper. Millio...

The Lie of the Seamless Platform

Every provider sells the same story: seamless, integrated, all-in-one. One platform, one experience...

Your Best Employee Is Your Biggest Risk

Every provider has them. The person who knows everything. They understand every client nuance, ever...

Stop Blaming Payroll—Fix Your Integration

It’s the easiest excuse in the business. Something goes wrong—missed deferrals, incorrect contr...

The Myth of the Clean Census

Every plan sponsor believes their census is accurate. It’s one of those quiet assumptions that ne...

It Wasn’t the School—It Was the Pressure

For a long time, I told myself the story that I just couldn’t make the jump—from Rabbi Harry Ha...