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I’ve Met the Enemy in 401(k) Plans and It’s Usually a Spreadsheet

I’ve been doing this long enough to know that the biggest threat to a 401(k) plan isn...

Plan Providers Are Therapists Who Also Do Census Testing

Plan providers are therapists who also happen to do census testing. Nobody puts that in a...

Why Most Plan Providers Don’t Lose Clients, They Abandon Them Slowly

The Long, Quiet Goodbye Most plan providers don’t wake up one morning and get fired. It...

Why Your 401(k) Worked Fine for 20 Years—Until It Didn’t

For many plan sponsors, the story is the same. The plan was set up years ago. Employees p...

Late Deposits Aren’t Moral Failures, They’re Process Failures

When a plan sponsor hears the words “late deposit,” they react like they’ve been ac...

The Love of the Jerky Boys

I was on a conference call last week with a former co-worker I hadn’t spoken to in year...

Trump Accounts: Will Employers Make This a Real Benefit or Just Another Glossy Bullet Point?

If you’ve been watching the headlines, you’ve probably heard about the new Trump Acco...

What Plan Sponsors Really Need to Know About the New IRS Rollover Notices

If you thought your rollover notice obligations were settled a few years ago, think again...

IRS Updates Safe Harbor Explanations for Retirement Plan Administrators — What You Need to Know

The Internal Revenue Service (IRS) and Department of the Treasury issued Notice 2026-13 o...

When a Top 401(k) Plan Ends Up in Court: Lessons from the Bloomberg ERISA Suit

Big headlines in retirement plan litigation don’t just hit household names; they’re a...