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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 ...

by Ary Rosenbaum, That 401(k) Guy

Weapons of Mass Distraction: Why the Stated Match Formula Is the Most Dangerous Line in Your 401(k) Plan Document

If you’ve been around the 401(k) block as long as I have, you know that the most innocuous-lookin...

by Ary Rosenbaum, That 401(k) Guy

“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...

by Ary Rosenbaum, That 401(k) Guy

The Silence of the Minutes

If you ever want to know how strong your fiduciary process really is, don’t look at the investmen...

by Ary Rosenbaum, That 401(k) Guy

The Myth of Financial Wellness in a Vacuum

Every year, I see plan sponsors spend thousands on shiny “financial wellness” programs—apps, ...

by Ary Rosenbaum, That 401(k) Guy

Tell Your 401(k) Provider What’s Going On

Working with a plan sponsor recently, I was helping sort out a late Form 5500 issue. Pretty routine...

by Ary Rosenbaum, That 401(k) Guy

When the IRS Comes Knocking — And You Tossed the Evidence

Working on an IRS audit is hard enough. But what’s even harder? When you discover the plan sponso...

by Ary Rosenbaum, That 401(k) Guy

ERISA Basics 101: Puerto Rico, Vesting Schedules, and Other Unforgettable Lessons

By Ary Rosenbaum, Esq. When you work as an ERISA attorney for TPAs for nearly a decade, you get ...

by Ary Rosenbaum, That 401(k) Guy

The Hill Worth Dying On

On a client call the other day, we were knee-deep in the usual chaos that comes with transitioning ...

by Ary Rosenbaum, That 401(k) Guy

When Default Rates Spike — Don’t Let Your Plan Be the Next Headline

We’ve all kept an eye on default rates creeping upward lately. But here’s what catches my atten...

by Ary Rosenbaum, That 401(k) Guy