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Ary Rosenbaum, That 401(k) Guy

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

Stop Treating Your 401(k) Like a Tax Deduction

Many employers view their 401(k) plan primarily as a tax deduction. The company makes contributions...

Survivor 50: More Than Just Another Season

I’ve been a fan of Survivor since day one. When the first season aired more than 25 years ago, no...

Your 401(k) Plan Is Not on Autopilot

One of the biggest misconceptions plan sponsors have is that their 401(k) plan runs itself. Many em...

The DOL Wants Paper Statements Again

The Department of Labor has proposed new regulations updating ERISA electronic disclosure rules to ...

A New Retirement Plan for Workers Without 401(k)s

During the State of the Union address, President Trump floated a proposal to expand retirement cove...

Why the New “Penalty-Free” Emergency 401(k) Withdrawal Deserves a Closer Look

The headline sounds reassuring: many employers now offer a penalty-free emergency withdrawal from a...

The Providence 401(k) Settlement and the Danger of Treating “Administrative” Issues as Small Stuff

The recent settlement involving Providence Health & Services is one of those cases that makes p...

Plan Design Through the Ages: Why Today’s Best Practices Didn’t Appear Overnight

Retirement plan design didn’t emerge fully formed with the first 401(k). Like most things worth u...

The 80/20 Rule for Sponsor Meetings: Focus on What Actually Matters

I’ve sat through more retirement plan meetings than I can count, and if there’s one recurring p...

The Hidden Cost of Not Benchmarking

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