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Mediocrity Isn’t an Accident

I used to think it was random. Watching mediocre people get pushed forward at work and in...

Ary Rosenbaum, That 401(k) Guy

The Hidden Cost of “Sounds Good” Plan Design

I’ve always liked immediate eligibility for deferrals. Clean, simple, easy to explain. ...

Ary Rosenbaum, That 401(k) Guy

What Were They Thinking? The Night Cheap Beer Took Over

On June 4, 1974, the Cleveland Indians hosted the Texas Rangers at Cleveland Municipal St...

Ary Rosenbaum, That 401(k) Guy

When Your Payroll Provider Is Also the TPA, Who’s Watching the Store?

The most expensive calls I get usually start the same way. “Our payroll provider handle...

Ary Rosenbaum, That 401(k) Guy

The Government Wants You in the Game, But That Doesn’t Mean You’re Ready

The latest executive order aimed at expanding retirement savings sounds like a win on pap...

Ary Rosenbaum, That 401(k) Guy

The Lie of the Seamless Platform

Every provider sells the same story: seamless, integrated, all-in-one. One platform, one ...

Ary Rosenbaum, That 401(k) Guy

Your Best Employee Is Your Biggest Risk

Every provider has them. The person who knows everything. They understand every client nu...

Ary Rosenbaum, That 401(k) Guy

Stop Blaming Payroll—Fix Your Integration

It’s the easiest excuse in the business. Something goes wrong—missed deferrals, incor...

Ary Rosenbaum, That 401(k) Guy

The Myth of the Clean Census

Every plan sponsor believes their census is accurate. It’s one of those quiet assumptio...

Ary Rosenbaum, That 401(k) Guy

It Wasn’t the School—It Was the Pressure

For a long time, I told myself the story that I just couldn’t make the jump—from Rabb...

Ary Rosenbaum, That 401(k) Guy