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Engagement Is a Sponsor Problem — Not Just a Vendor One

Low participation rates. Weak deferral levels. Participants who never log in unless something goes ...

The Quiet Problem in Your 401(k): Former Employees Who Never Leave

Every plan sponsor knows the feeling, employees come and go, but their 401(k) balances often stay b...

The Most Ignored Document: Your Plan Document

Every plan sponsor owns a plan document. Very few read it. Fewer understand it. And almost none use...

The Most Dangerous Words in a 401(k): “We’ve Always Done It That Way.”

If I had a dollar for every time a plan sponsor told me, “We’ve always done it that way,” I...

Your TPA Isn’t the Plan Administrator—You Are

One of the most persistent myths in the 401(k) universe is the idea that the third-party administra...

The QDIA You Pick Today Might Be Wrong Tomorrow

If there’s one consistent truth in the retirement plan world, it’s that nothing stays consisten...

The Myth of the Free Plan

By Ary Rosenbaum Every few months, I hear a plan sponsor brag, “Our provider said the 401(k) i...

The Match Game: When Free Money Isn’t Enough

We’ve all heard it: “Don’t leave free money on the table.” It’s the classic pitch to get ...

“Get Ready: 2026 Contribution Limits Are Coming — Time to Rev Up That Retirement Engine”

Greetings — Ary Rosenbaum here, gear-shifting through the ERISA/401(k) lane, rubber on the paveme...