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The Fine Print Will Cost You

One of the biggest problems I see when new clients hire me is that they never bothered to review the provider contracts they signed years ago. It’s human nature — you’re excited to get the plan up and running, the provider drops a thick contract in fron...

Cracker Barrel and the Wrong Kind of Change

I’ll admit it—I loved Cracker Barrel. Living in New York, I never had one nearby, so whenever I traveled, I made it a point to stop. In 2014, I was in Florida and ended up at three different Cracker Barrel locations in just two days. That’s how much I e...

Pay Now or Pay More Later: The Real Cost of Underpaying Employees

When I look back on my brief tenure at that union law firm, the irony wasn’t lost on me...

The Safe Harbor That Wouldn’t Go Away

The Department of Labor’s Employee Benefits Security Administration (EBSA) tried to pla...

State-Run Auto-IRAs Hit $2 Billion and Keep Growing

The retirement plan industry just hit another milestone, and it didn’t come from Wall S...

Pantyhose, Banks, and Retirement Plans: The Smarter Crime?

I’ve always said that robbing a bank with a pair of pantyhose on your head is a smarter...

Empower Under Fire: Another Reminder That Providers Aren’t Immune from Fiduciary Scrutiny

When most people think about ERISA lawsuits, the usual suspects are plan sponsors. They...

The DOL is Right to Scrap the Annuity Safe Harbor

The Insured Retirement Institute (IRI) is once again carrying water for the annuity indus...

Trump Accounts: What Employers Need to Know

When Congress passes a bill with a title like the “One Beautiful Bill,” you can alrea...

Private Markets in 401(k) Plans: An Opportunity or a Pandora’s Box?

A new Empower survey has made some waves in the retirement plan industry. According to th...