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The problem with late deferrals

While working as an ERISA attorney with a national practice (cough, cough), it’s clear to me t...

Top 10 401k Trends For 2017

Competition for qualified employees is becoming intense. As a result, firms that you compete with fo...

The Luck of the Draw

As an ERISA attorney for 18 years, I have seen a lot of strange things that plan sponsor have done t...

Some people can’t deal with complaints, but….

The one thing I always say about third party administrators (TPAs) is that they get none of the cred...

Dear Plan Sponsors, it’s about Reasonableness

Thanks to fee disclosure regulation and litigation against plan sponsors, plan sponsors are focusing...

Why Trump Won’t Roll Back New Fiduciary Regs

There have been significant differences of opinion on whether President-elect Trump will roll back t...

It’s 10pm, do you know where your beneficiary election form is?

This seems like a question with an obvious answer, but real life turns up some interesting and costl...

Forms and Distributions according to Plan Terms

My father in law loved to look through the supermarket circulars and get a bargain. When organ juice...

Why I’m still wary of Target Date Funds

I’m an ERISA attorney and I handle my own investments, so I’m certainly no financial exp...

Coverage is always the biggest problem

When you look at the problems of retirement plans, one that gets short shrift is coverage and that i...