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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...

by Ary Rosenbaum, That 401(k) Guy

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’...

by Ary Rosenbaum, That 401(k) Guy

Being a Good Employer Is Not a Fiduciary Defense

Most plan sponsors genuinely want to do the right thing. They offer a retirement plan because they ...

by Ary Rosenbaum, That 401(k) Guy

When Your Providers Disagree, It’s Still Your Problem

Plan sponsors are often surprised to learn that when their advisor, TPA, and recordkeeper disagree,...

by Ary Rosenbaum, That 401(k) Guy

Technology Doesn’t Replace Fiduciary Judgment — It Exposes It

Every retirement plan provider now talks about AI, personalization, and “smart” tools. Plan spo...

by Ary Rosenbaum, That 401(k) Guy

Engagement Is a Sponsor Problem — Not Just a Vendor One

Low participation rates. Weak deferral levels. Participants who never log in unless something goes ...

by Ary Rosenbaum, That 401(k) Guy

The Quiet Problem in Your 401(k): Former Employees Who Never Leave

Every plan sponsor knows the feeling, employees come and go, but their 401(k) balances often stay b...

by Ary Rosenbaum, That 401(k) Guy

The Most Ignored Document: Your Plan Document

Every plan sponsor owns a plan document. Very few read it. Fewer understand it. And almost none use...

by Ary Rosenbaum, That 401(k) Guy

The Most Dangerous Words in a 401(k): “We’ve Always Done It That Way.”

If I had a dollar for every time a plan sponsor told me, “We’ve always done it that way,” I...

by Ary Rosenbaum, That 401(k) Guy

Your TPA Isn’t the Plan Administrator—You Are

One of the most persistent myths in the 401(k) universe is the idea that the third-party administra...

by Ary Rosenbaum, That 401(k) Guy