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The Hidden Controlled Group and Affiliated Service Group Problem That Can Cost Plan Sponsors a Fortune

Most plan sponsors worry about investment performance, participant complaints, cybersecurity, and g...

Your Payroll Department Is the Real Co-Fiduciary

Most employers think their retirement plan fiduciaries are the committee members, advisors, and ser...

The Cheapest 401(k) Plan Is Usually the Most Expensive

Every employer wants to save money on retirement plan costs. That’s understandable. But in the 40...

Your Retirement Plan Committee Should Fear Process Failures More Than Market Losses

Most retirement plan committees spend enormous amounts of time worrying about investment performanc...

Why Participant Complaints Are a Gift, Not an Annoyance

No plan sponsor enjoys participant complaints. Nobody likes angry emails, confused employees, or ca...

How Vendor Searches Go Wrong

Plan sponsors often approach vendor searches with the best intentions and the wrong priorities. The...

What Were They Thinking? Retirement Plan Edition

I’ve always believed the retirement plan business needs its own version of a greatest hits album ...

Auto-Enrollment Is Easy—Until It Isn’t

Auto-enrollment is one of those retirement plan features that sounds wonderfully simple in a sales ...

Eligibility Rules: Why Something So Simple Became So Complicated

Once upon a time, 401(k) eligibility was easy. Age 21. One year of service. Quarterly entry dates. ...

Your Payroll Provider Just Changed Something. Why Your 401(k) Team Should Panic a Little.

Few words in retirement plan administration should trigger more anxiety than: “We changed payroll...