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Theft through cyber crime will be a bigger thing

Theft by plan fiduciaries does happen and it’s not hard to find out who did it.   The problem...

E-disclosure should lower fees too

It’s great that the Department of Labor (DOL) has finally embraced the electronic disclosure of im...

When you need a VCP application, make sure you cover all the errors

The Internal Revenue Service (IRS) Voluntary Compliance Program (VCP) is one of the best methods for...

Make sure you get what’s promised

People can promise you the moon, but they may deliver far less. That is why despite the promises mad...

The problem of the de-conversion process

Years ago, I was the Executive Editor of my law school’s news magazine. In one of my final issues,...

The Inefficient Plan Design

When you start fixing up the house (for me, a never-ending battle) and replacing appliances or items...

Picking the cheapest provider can be a breach of fiduciary

When it comes to health and fitness, you constantly hear studies about what foods fight or cause can...

You Need A Financial Advisor

I am still how often I find participant-directed 401(k) plans without a financial advisor. While I u...

Experience can mean a lot of things

I always talk about how plan sponsors need to work with experienced financial advisors, third party ...

You Can Learn Something New Every Day

As an ERISA attorney, I always have an open phone policy with plan sponsors, financial advisors, acc...