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Ary Rosenbaum, That 401(k) Guy

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

Participants Aren’t Lazy—Your Plan Is Just Too Optional

Plan sponsors love to say participants don’t engage. They don’t enroll, don’t increase deferr...

The Most Expensive Words in Retirement Plans: “We’ll Fix It Later”

There are phrases in the retirement plan business that should set off alarms. Not the obvious ones...

Timing Isn’t Everything—It’s the Only Thing

You just described one of the most underrated killers of otherwise good ideas: bad timing. That ...

Cream Rises—But Only If It Doesn’t Get Buried First

There’s truth in what you’re saying, but let’s not turn it into a fairy tale. Yes, talent ...

The Best Idea No One Sees Is Still Worth Zero

You can have the greatest idea in the retirement plan space—brilliant plan design, elegant auto f...

What Were The Thinking? Fox Sports and The Flaming Puck

As a diehard New York Rangers fan, let me say this as clearly as possible: the glowing puck wasn’...

Same Movie, New Sequel—But the Ending Still Matters

You read enough U.S. Department of Labor / Employee Benefits Security Administration releases over ...

The Headline Sounds Dramatic—The Story Isn’t

The Dayforce report (as covered by 401(k) Specialist) basically says this: after a few years of mod...

What Were They Thinking? Blockbuster Didn’t Hear Netflix Behind Them

There are business mistakes, and then there’s what Blockbuster did when Netflix started tapping a...

Why Your Best Clients Leave You (And Don’t Tell You Why)

Plan providers love to blame fees when a client walks out the door. It’s convenient, it’s easy,...