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You're browsing category: For 401(k) Plan Sponsors

Some Answers to Questions

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

by Ary Rosenbaum, That 401(k) Guy

My Two Cents: Don’t Trust Anybody on hardship distributions

The reason I never hired an employee is because I was an employee once too. I had co-workers, many ...

by Ary Rosenbaum, That 401(k) Guy

An Educational Policy Statement is just paper

Any type of item that keeps you health is a good thing as long as you use it. So the floss I bought...

by Ary Rosenbaum, That 401(k) Guy

The mega backdoor Roth is usually not going to work

I have received more inquiries about after-tax voluntary contributions in the past two weeks than i...

by Ary Rosenbaum, That 401(k) Guy

The truth about index funds and fee disclosure

I’ve always been a big fan of index funds, probably more so when exchange-traded funds became a t...

by Ary Rosenbaum, That 401(k) Guy

Plan Sponsors Should Get Their Own Football

When I was in college in the early 1990s, I was heavily involved in student politics. I would go an...

by Ary Rosenbaum, That 401(k) Guy

Choose quality over popularity

I’m not very popular, never have been, and never will be. It’s probably my personality or just ...

by Ary Rosenbaum, That 401(k) Guy

K.I.S.S.: Keep it simple stupid

As they once said in This is Spinal Tap, there is a fine line between stupid and clever. I can assu...

by Ary Rosenbaum, That 401(k) Guy

The problem with participation agreements

A 401(k) plan with multiple participating employers hosts several problems. The first is recognizin...

by Ary Rosenbaum, That 401(k) Guy

The exclusion fiasco

Scrivener’s error is a mistake made by someone who is writing or copying something down, like a t...

by Ary Rosenbaum, That 401(k) Guy