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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...

The Silence of the Minutes

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

The Myth of Financial Wellness in a Vacuum

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

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...