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Why Hiding Information From Your Plan Provider Always Backfires

I understand why some plan sponsors withhold information from their plan providers. Sometimes it’...

Forfeitures: Free Money or Fiduciary Landmine?

For years, forfeitures were treated like found money in 401(k) plans. Someone leaves before vesting...

The Committee Minutes That Save You in a Lawsuit

When a 401(k) lawsuit is filed, the first thing plaintiffs’ counsel asks for isn’t your investm...

Just Because Everyone Does It Doesn’t Mean It’s a Fiduciary Best Practice

One of the most dangerous phrases in the 401(k) world isn’t “lawsuit” or “DOL audit.” It...

You Don’t Have a Bad 401(k) — You Have a Bad Process

Most plan sponsors don’t wake up thinking, “Let’s mismanage the 401(k) today.” Yet bad outc...

What I’d Fix First If I Took Over Your 401(k) Tomorrow

If I walked into your office tomorrow and you handed me responsibility for your 401(k), I wouldn’...

Being a Good Employer Is Not a Fiduciary Defense

Most plan sponsors genuinely want to do the right thing. They offer a retirement plan because they ...

When Your Providers Disagree, It’s Still Your Problem

Plan sponsors are often surprised to learn that when their advisor, TPA, and recordkeeper disagree,...

Technology Doesn’t Replace Fiduciary Judgment — It Exposes It

Every retirement plan provider now talks about AI, personalization, and “smart” tools. Plan spo...

Engagement Is a Sponsor Problem — Not Just a Vendor One

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