Most plan sponsors genuinely want to do the right thing. They offer a retirement plan because they care about employees, want to help people save, and believe they are acting responsibly. That instinct is admirable—but under ERISA, it is not a defense. F...
Plan sponsors are often surprised to learn that when their advisor, TPA, and recordkeeper disagree, the conflict doesn’t protect the plan sponsor—it exposes them. ERISA places fiduciary responsibility squarely on the employer. That means if one provide...
Every retirement plan provider now talks about AI, personalization, and “smart” tools. Plan spo...
Low participation rates. Weak deferral levels. Participants who never log in unless something goes ...
Every plan sponsor knows the feeling, employees come and go, but their 401(k) balances often stay b...
Every plan sponsor owns a plan document. Very few read it. Fewer understand it. And almost none use...
If I had a dollar for every time a plan sponsor told me, “We’ve always done it that way,” I...
One of the most persistent myths in the 401(k) universe is the idea that the third-party administra...
If there’s one consistent truth in the retirement plan world, it’s that nothing stays consisten...
By Ary Rosenbaum Every few months, I hear a plan sponsor brag, “Our provider said the 401(k) i...
