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Payroll Errors and the Domino Effect on Your 401(k) Plan

Most 401(k) problems don’t start in the plan. They start in payroll. Plan sponsors tend to ...

Bitcoin’s Volatility Should Give Plan Sponsors Serious Pause

Every few years, a new investment trend arrives with the same promise: higher returns, innovation, ...

Alternative Investments Are Coming—And Fiduciary Duty Is Coming With Them

If there’s one thing plan sponsors should never forget, it’s this: innovation doesn’t suspend...

Committee Meetings Don’t Make You a Fiduciary Hero—Good Decisions Do

Some plan sponsors believe that holding committee meetings automatically makes them good fiduciarie...

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’...