I’ve always liked immediate eligibility for deferrals. Clean, simple, easy to explain. Let people in the door and let them start saving. Where things go sideways is when a provider layers on a safe harbor contribution, a match, or even profit sharing, and n...
Every plan sponsor believes their census is accurate. It’s one of those quiet assumptions that never gets challenged—until it has to be. And when it does, the result is rarely pretty. The problems aren’t obvious. They’re subtle and cumulative. Rehi...
Everyone loves the word “free.” Especially plan sponsors. If a provider tells you the plan has ...
Plan sponsors spend an incredible amount of time worrying about investment performance. They debate...
Auto-enrollment is one of the best things to ever happen to retirement plans. It solves the biggest...
Plan sponsors spend a lot of time worrying about the market. Is it too high? Too low? Are we headin...
Plan sponsors love a good illusion. And the biggest one in the 401(k) world is this: if the recordk...
Plan sponsors love to say participants don’t engage. They don’t enroll, don’t increase deferr...
There are phrases in the retirement plan business that should set off alarms. Not the obvious ones...
Every year, plan sponsors sit through the annual 401(k) review. There’s a deck. There are charts....
