That 401k Site

There is no such thing as free administration

In England, many of the top pubs are owned by British breweries because watering holes ar...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

I hate short plan years

When drafting new 401(k) plans for clients during the middle of the year, I like drafting...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

I wish the DOL would act over TPA termination

It’s all friendly between the plan sponsor and the Third-Party Administrator (TPA) unti...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

PEP goes to Pot

We have a Pooled Employer Plan (PEP) for so many things, so a Pot PEP seems OK. The No...

News

Ary Rosenbaum, That 401(k) Guy

Fidelity to clamp down on third party access

Fidelity is clamping down on third-party access to 401(k) plans, which will likely restri...

News

Ary Rosenbaum, That 401(k) Guy

Filing that late 5500 can be a weapon of mass destruction

Missing that deadline to file a Form 5500 is a huge problem. Sometimes people forget even...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

The Problem of Plan design

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

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

Which Plan To Set Up?

I call this time of the year Retirement Plan Crazy Season where plan sponsors decided to ...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

The problem with too much loyalty to providers

When I first started in the retirement plan business in 1998, I worked for a law firm tha...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

Some TPAs are in the administration business, some are not

There are those TPA that sell financial products, there are some that sell insurance, and...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

Annuities in 401(k) Plans

As Michael Corleone said in the very underrated “The Godfather Part III”, “Just whe...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

You can be critical of the business

When I was at law school at American University Washington College of Law, I was the Exec...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

(3)(38) is still here

The uniqueness of the §3(38) proposition is that the §3(38) fiduciary has discretionary...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

Social media gets clients

As discussed so many times in the past, I went to that crappy law firm and thought I coul...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

When you focus only on fees, you lose sight of everything else

For the past 12 years, fee disclosure has certainly helped you as a plan sponsor to under...

For 401(k) Plan Sponsors

Ary Rosenbaum, That 401(k) Guy

Why do TPA buyers botch the sale? They don’t know the TPA’s true value

A buddy of mine has been out of work for over a year. He’s a plan administrator who wor...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

There is room for everyone

When fee disclosure regulations were implemented, there were a few industry chicken littl...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

Sometimes, a plan sponsors can’t just can’t say no thanks

When you meet retirement plan sponsors just at different networking events and they find ...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

Read the plan document

Being an ERISA attorney for a couple of third-party administration (TPA) firms when I fir...

For 401(k) Plan Providers

Ary Rosenbaum, That 401(k) Guy

Change of scenery could be everything

For whatever reason, high school was tough for me. Maybe it was undiagnosed ADHD, or perh...

Life Beyond 401(k)

Ary Rosenbaum, That 401(k) Guy

There is no such thing as free administration

I hate short plan years

I wish the DOL would act over TPA termination

PEP goes to Pot

Fidelity to clamp down on third party access

Filing that late 5500 can be a weapon of mass destruction

The Problem of Plan design

Which Plan To Set Up?

The problem with too much loyalty to providers

Some TPAs are in the administration business, some are not

Annuities in 401(k) Plans

You can be critical of the business

(3)(38) is still here

Social media gets clients

When you focus only on fees, you lose sight of everything else

Why do TPA buyers botch the sale? They don’t know the TPA’s true value

There is room for everyone

Sometimes, a plan sponsors can’t just can’t say no thanks

Read the plan document

Change of scenery could be everything

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