Every plan sponsor knows the feeling, employees come and go, but their 401(k) balances often stay behind like unpacked boxes from a move three years ago. It seems harmless, even administrative convenience at first. Then reality hits: more accounts, more notic...
Every plan sponsor owns a plan document. Very few read it. Fewer understand it. And almost none use it as the operating manual it was designed to be. Instead, many rely on “tribal knowledge”, the memory of someone in HR who has been there since the Cli...
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...
We’ve all heard it: “Don’t leave free money on the table.” It’s the classic pitch to get ...
If you’ve been around the 401(k) block as long as I have, you know that the most innocuous-lookin...
Greetings — Ary Rosenbaum here, gear-shifting through the ERISA/401(k) lane, rubber on the paveme...
If you ever want to know how strong your fiduciary process really is, don’t look at the investmen...
