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The problem with stock market volatility

I have experienced several bear markets as an ERISA attorney, and it’s never easy, especially...

Keep it simple stupid

As famously quoted in *This Is Spinal Tap*, there is a fine line between stupidity and cleverness. ...

The multiple loan problem

As a 401(k) plan sponsor, you need to know that plan errors happen all the time. A 401(k) plan has ...

What all good 401(k) plans have

There are so many articles for plan sponsors (I’ve written quite a few) where they go on and on a...

Providing Info to Participants

ERISA requires disclosure of certain plan documents to participants including a summary plan descri...

Another market correction is a pause for concern

I’ve been in the retirement plan business for 26 years and I’ve been through a few recessions i...

Plan Sponsors Can’t Overpay for Plan Services

When I was 13 and had my Bar Mitzvah, I spent around $2,000 (in 1985 money) on a state-of-the-art A...

They’ll make the mistake and leave you to dry

At work and at home, one of the worst things I ever did was make a mistake and not accept responsib...

Correct the late deferral issue correctly

Correcting your late deferrals by depositing them and making a contribution to compensate for lost ...

Vesting doesn’t help with retention

I have worked at places that were so unpleasant that I consider myself lucky the vesting schedule w...