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ERISA Doesn’t Care That You’re Busy

Plan sponsors are busy people. Running a business involves managing employees, customers, vendors, ...

by Ary Rosenbaum, That 401(k) Guy

Your 401(k) Plan Isn’t “Fine.” It’s Just Quiet.

I can’t tell you how many times I hear this from plan sponsors: “The plan is fine. No one’s c...

by Ary Rosenbaum, That 401(k) Guy

Fiduciary Governance Is Like Changing the Oil in Your Car

Nobody brags about changing the oil in their car. It’s not exciting. It doesn’t generate applau...

by Ary Rosenbaum, That 401(k) Guy

Your Recordkeeper Is Not Your Fiduciary (Even If They Bring Bagels)

I like bagels as much as the next person. But breakfast meetings do not equal fiduciary protection....

by Ary Rosenbaum, That 401(k) Guy

Stop Treating Your 401(k) Like a Tax Deduction

Many employers view their 401(k) plan primarily as a tax deduction. The company makes contributions...

by Ary Rosenbaum, That 401(k) Guy

Your 401(k) Plan Is Not on Autopilot

One of the biggest misconceptions plan sponsors have is that their 401(k) plan runs itself. Many em...

by Ary Rosenbaum, That 401(k) Guy

The Hidden Cost of Not Benchmarking

Benchmarking is often treated as a formality, something sponsors do to check a box. That mindset ov...

by Ary Rosenbaum, That 401(k) Guy

The Most Important 30 Minutes of Your Plan Committee Meeting

Most plan committee meetings last an hour or more, but only a small portion of that time actually r...

by Ary Rosenbaum, That 401(k) Guy

Good Intentions Don’t Protect Plan Sponsors—Process Does

Most plan sponsors mean well. They want employees to retire comfortably. They hire professionals. T...

by Ary Rosenbaum, That 401(k) Guy

Your Employees Don’t Hate the 401(k)—They Hate Confusion

When participation is low or complaints start to surface, plan sponsors often assume the issue is m...

by Ary Rosenbaum, That 401(k) Guy