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Technology Doesn’t Replace Fiduciary Judgment — It Exposes It

Every retirement plan provider now talks about AI, personalization, and “smart” tools...

When the Rules Shift Under Your Feet: DOL’s New Stance on ERISA Litigation

If there’s one thing retirement plan sponsors learn quickly, it’s that “settled law...

A Personal Tribute and a Nation’s Shock

I was supposed to see Rob Reiner at a book signing in New Jersey this past September — ...

Engagement Is a Sponsor Problem — Not Just a Vendor One

Low participation rates. Weak deferral levels. Participants who never log in unless somet...

Why Most Provider “Best Practices” Are Just Litigation Avoidance

The retirement industry loves the phrase best practices. It sounds proactive, responsible...

The Myth of the Perfect Plan Sponsor

There is no such thing as a perfect plan sponsor. Anyone who tells you otherwise is eithe...

Lifetime Income Options: Great in Theory, Complicated in Practice

For years, policymakers have promoted lifetime income options as the next evolution of de...

Lifetime Income Options: Great in Theory, Complicated in Practice

For years, policymakers have promoted lifetime income options as the next evolution of de...

Your Biggest Competitor Isn’t Another Provider — It’s Indifference

Most plan providers are prepared for competition. They know how to differentiate fee sche...

The Quiet Crisis: Nearly Half of Full-Time Workers Left Out

Recent reporting shows that roughly 42% of full-time U.S. workers — more than 40 millio...