Running a 401(k) plan isn’t just about picking a fund lineup and hoping employees save enough for retirement. It’s about process, documentation, and proving that you acted like a prudent fiduciary even when markets misbehave. I always tell plan sponsors t...
Too many employers talk about their 401(k) plan the way they talk about free coffee in the break room—as a perk, a nice extra, something to mention in the benefits brochure and forget about until renewal season. That mindset misses the point. A 401(k) isnâ€...
I’ve walked into more companies than I can count where the 401(k) plan gets the same level of att...
When companies talk about mergers and acquisitions, the conversation usually revolves around tax tr...
Most 401(k) problems don’t start in the plan. They start in payroll. Plan sponsors tend to ...
Every few years, a new investment trend arrives with the same promise: higher returns, innovation, ...
If there’s one thing plan sponsors should never forget, it’s this: innovation doesn’t suspend...
Some plan sponsors believe that holding committee meetings automatically makes them good fiduciarie...
I understand why some plan sponsors withhold information from their plan providers. Sometimes it’...
For years, forfeitures were treated like found money in 401(k) plans. Someone leaves before vesting...
