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Ary Rosenbaum, That 401(k) Guy

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

The Committee Minutes That Save You in a Lawsuit

When a 401(k) lawsuit is filed, the first thing plaintiffs’ counsel asks for isn’t your investm...

Just Because Everyone Does It Doesn’t Mean It’s a Fiduciary Best Practice

One of the most dangerous phrases in the 401(k) world isn’t “lawsuit” or “DOL audit.” It...

Revenue Sharing Isn’t Dead—But It’s Still Dangerous

Every few years, someone declares revenue sharing “dead.” And every few years, it stubbornly su...

How Provider Silence Becomes Exhibit A in Litigation

Plan providers love to say, “We’re not the fiduciary.” And in many cases, that’s true. But ...

Why the USPS “Postmark” Rule Change Matters for Your Mail Deadlines

If you’re the kind of person who waits until April 15 to drop off your federal tax return in a bl...

DOL Backs JPMorgan in 401(k) Forfeiture Fight: What It Means for Plan Sponsors

If you’ve been paying attention to the growing wave of 401(k) forfeiture litigation, the Departme...

IRS Letter-Procedure Update for 2026: Bigger Fees, Electronic-First, and Beware of Refund Risks

If you ever thought IRS procedural updates were boring, buckle up — because the latest IRS guidan...

You Don’t Have a Bad 401(k) — You Have a Bad Process

Most plan sponsors don’t wake up thinking, “Let’s mismanage the 401(k) today.” Yet bad outc...

What I’d Fix First If I Took Over Your 401(k) Tomorrow

If I walked into your office tomorrow and you handed me responsibility for your 401(k), I wouldn’...

Why Being “Good at What You Do” Isn’t Enough Anymore

For years, plan providers survived on a simple premise: do solid work, keep clients happy, and the ...