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Choose quality over popularity

I’m not very popular, never have been, and never will be. It’s probably my personality or just ...

by Ary Rosenbaum, That 401(k) Guy

K.I.S.S.: Keep it simple stupid

As they once said in This is Spinal Tap, there is a fine line between stupid and clever. I can assu...

by Ary Rosenbaum, That 401(k) Guy

The problem with participation agreements

A 401(k) plan with multiple participating employers hosts several problems. The first is recognizin...

by Ary Rosenbaum, That 401(k) Guy

The exclusion fiasco

Scrivener’s error is a mistake made by someone who is writing or copying something down, like a t...

by Ary Rosenbaum, That 401(k) Guy

Committees need a dedication to the process

The best retirement plan committees I’ve seen are dedicated to the process. That means regularly ...

by Ary Rosenbaum, That 401(k) Guy

The inefficiency of plan design

When you start fixing up the house (for me, a never-ending battle) and replacing appliances or item...

by Ary Rosenbaum, That 401(k) Guy

Plan provisions that every 401(k) plan should have

I probably have drafted and amended thousands of plans over the years and every plan has its little...

by Ary Rosenbaum, That 401(k) Guy

Know when a SEP no longer fits

Small employer plans like a SEP or a SIMPLE-IRA are great opportunities for small businesses to sav...

by Ary Rosenbaum, That 401(k) Guy

The question of providing information

ERISA requires disclosure of certain plan documents to participants including a summary plan descri...

by Ary Rosenbaum, That 401(k) Guy

The problem of the de-conversion process

Years ago, I was the Executive Editor of my law school’s news magazine. In one of my final issues...

by Ary Rosenbaum, That 401(k) Guy