Every few years, a new investment trend arrives with the same promise: higher returns, innovation, and the fear of being left behind. Bitcoin is the latest example, and while it may have a place in speculative portfolios, its volatility should give every 401(...
If there’s one thing plan sponsors should never forget, it’s this: innovation doesn’t suspend fiduciary responsibility. With all the recent buzz about private equity, private credit, and other alternative investments creeping into 401(k) plans, regulato...
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...
When a 401(k) lawsuit is filed, the first thing plaintiffs’ counsel asks for isn’t your investm...
One of the most dangerous phrases in the 401(k) world isn’t “lawsuit” or “DOL audit.” It...
Most plan sponsors don’t wake up thinking, “Let’s mismanage the 401(k) today.” Yet bad outc...
If I walked into your office tomorrow and you handed me responsibility for your 401(k), I wouldn’...
Most plan sponsors genuinely want to do the right thing. They offer a retirement plan because they ...
