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

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

Committees need a dedication to the process

The best retirement plan committees I’ve seen are dedicated to the process. That means regularly ...

by Ary Rosenbaum, That 401(k) Guy

The inefficiency of plan design

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

by Ary Rosenbaum, That 401(k) Guy

Plan provisions that every 401(k) plan should have

I probably have drafted and amended thousands of plans over the years and every plan has its little...

by Ary Rosenbaum, That 401(k) Guy

Know when a SEP no longer fits

Small employer plans like a SEP or a SIMPLE-IRA are great opportunities for small businesses to sav...

by Ary Rosenbaum, That 401(k) Guy