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Quick Guide for Plan Sponsors: My Take on DOL Cybersecurity Audits

If you want to stay out of DOL trouble, here’s what I’d tell you over a drink,no legalese, just practical advice. 1. Cybersecurity is a fiduciary issue. The DOL is digging deep into cybersecurity practices, going well past HIPAA compliance. Having an â...

Roth Catch-Up Finalized: SECURE 2.0’s High-Income Mandate Delayed Until 2027

When it comes to retirement plan regulations, the only constant is change—and the Roth catch-up requirement under SECURE 2.0 has been a rollercoaster. The IRS and Treasury finally issued their final regulations, and plan sponsors can breathe, somewhat, know...

Crypto in the Plan: A Cautionary Memo from Ary Rosenbaum to Plan Sponsors

If you’re a plan sponsor, here’s what I’d tell you about the growing conversation a...

Advisors: What the 2025 T. Rowe Price DC Consultant Study Means for Your Practice

Let’s cut through the marketing fluff and look at what the 2025 T. Rowe Price Defined C...

Advisors: If You Want to Be Loved by Plan Sponsors, Focus on Participant Outcomes

Plan sponsors aren’t hiring advisors so they can get fancy PowerPoints or attendance at...

When the Regulators Speak, Listen

When I was a kid, there was an ad about EF Hutton brokers. The line was simple: “When E...

If You Want to Hide Something, Put It in the Plan Document

To steal a joke from Chris Rock, when I worked at a TPA as the lead ERISA attorney, I use...

The Double-Edged Sword of Social Media

The beauty of social media is that everyone has an opinion. The negative part of social m...

The DOL’s Spring 2025 Regulatory Agenda: What Plan Providers Need to Know

The Department of Labor (DOL) has released its Spring 2025 regulatory agenda, and for tho...

Home Depot Wins Forfeiture Fight: Another Court Shuts Down Fiduciary Breach Claims

Chalk up another win for plan fiduciaries in the ongoing wave of forfeiture reallocation ...