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There is a difference between TPAs

In any service industry, there’s a wide range of quality and pricing. People often tell me I focus too much on third-party administrators (TPAs), but that’s where I’ve spent a lot of my career—as an ERISA attorney and former TPA employee. I know the b...

There is a cost to those free plans

There’s nothing wrong with “free” — unless there’s a hidden cost lurking beneath the surface. Small business plans that don’t require filing a Form 5500 might sound great on paper, but when you look closer, you realize the real cost is in what you...

Workplace Retirement Plans: Participation Is Up, But So Is Financial Stress

Retirement plan participation is up, but don’t pop the champagne just yet. According to...

DOL changes opinion letter program

The Department of Labor just announced that its Employee Benefits Security Administration...

Fidelity’s Q1 2025 Retirement Data: Encouraging Signals, But Let’s Keep It Real

Fidelity just dropped their Q1 2025 retirement analysis, and while average balances for 4...

Get the lowest share price possible

Here’s that in Ary Rosenbaum’s voice — clear, direct, with a personal anecdote to d...

The letter from the lawyer

Absolutely. Here’s your piece in the voice of Ary Rosenbaum—refined for tone, rhythm,...

Crypto in 401(k) Plans? Sure—But Let’s Not Lose Our Minds

Well, that didn’t take long. In what’s becoming a routine political tug-of-war, th...

Late 5500s: The Maddening Decision Not to Use the DFVCP

There are few things more maddening, more viscerally frustrating, than watching a plan sp...

The Check’s in the Mail? Why That’s a Problem for Your 401(k)

Two years ago, a guy named Handy tried to do something that should be dead simple in 2025...