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How Provider Silence Becomes Exhibit A in Litigation

Plan providers love to say, “We’re not the fiduciary.” And in many cases, that’s true. But ...

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, and the ...

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 strongest...

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

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

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

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

SECURE 2.0 Fatigue Is Real—But Providers Can’t Afford It

There is no denying it: sponsors are tired. SECURE 2.0 arrived in waves, and many employers are ove...

The Provider’s Blind Spot: When Helping Too Much Creates Fiduciary Exposure

Most providers don’t stumble into fiduciary exposure intentionally. They do it by trying to be he...

Why Most Provider “Best Practices” Are Just Litigation Avoidance

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

The Myth of the Perfect Plan Sponsor

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

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

Most plan providers are prepared for competition. They know how to differentiate fee schedules, dem...