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Ary Rosenbaum, That 401(k) Guy

2199 posts
All posts by Ary Rosenbaum, That 401(k) Guy

The Hidden Cost of Not Benchmarking

Benchmarking is often treated as a formality, something sponsors do to check a box. That mindset ov...

The Most Important 30 Minutes of Your Plan Committee Meeting

Most plan committee meetings last an hour or more, but only a small portion of that time actually r...

Good Intentions Don’t Protect Plan Sponsors—Process Does

Most plan sponsors mean well. They want employees to retire comfortably. They hire professionals. T...

Your Employees Don’t Hate the 401(k)—They Hate Confusion

When participation is low or complaints start to surface, plan sponsors often assume the issue is m...

Why Your 401(k) Worked Fine for 20 Years—Until It Didn’t

For many plan sponsors, the story is the same. The plan was set up years ago. Employees participate...

What Plan Providers Get Wrong About “Value”

Ask ten plan providers what “value” means and you’ll get ten different answers. Better techno...

The Difference Between Selling Expertise and Providing It

Most plan providers sell expertise. Far fewer actually provide it. Selling expertise is easy. It...

Why Good Plan Providers Lose Business to Worse Ones

Every plan provider has lost business to a competitor they know—deep down—is worse. Less experi...

When Participant Growth Becomes a Fiduciary Prompt — Not a Punchline

Empower recently reported that it added approximately 500,000 net new retirement plan participants ...

When Good News Needs a Fiduciary Reality Check

Lincoln Financial Retirement Plan Services recently reported that average retirement plan account b...