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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 outcomes happen all the time — excessive fees, underperforming investments, compliance failures, and, eventually, fiduciary exposure. In my experience, the pro...

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’t start by changing investments, firing vendors, or chasing the latest industry trend. I’d start with the basics — because that’s where most plans quie...

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...

When the Loudest Committee Member Is the Least Informed

Every plan sponsor committee has one. The loudest person in the room. The one with the...

Full Circle in Fort Lauderdale

I met Mrs. Rosenblum in Florida, and it felt like time folding in on itself. I usually...

401(k) Changes in 2026: What Every Saver and Sponsor Needs to Understand

Every year brings incremental changes to retirement plans, but 2026 is different. This is...

The Quiet Disappearance of 401kHelpCenter.com

At some point, without much notice, 401kHelpCenter.com disappeared. No announcement. N...

Recordkeeper, TPA, Advisor: Who Owns the Mistake When Something Breaks?

When a retirement plan error surfaces, the first reaction is almost always the same: fing...

Being a Good Employer Is Not a Fiduciary Defense

Most plan sponsors genuinely want to do the right thing. They offer a retirement plan bec...

Why “Good Service” Doesn’t Matter in ERISA Litigation

Providers often believe that being helpful will protect them if something goes wrong. It ...