Category Archives: Retirement Plans

There’s a mindset in the 401(k) industry that if the phone isn’t ringing, everything must be fine. No complaints, no issues, no fires to put out—so why bother the client? That thinking is exactly how providers lose business. “No news … Continue reading →

Most plan sponsors I talk to don’t think their 401(k) plan is broken. Contributions are going in, participants have investment options, and nobody is banging down the door with complaints. On the surface, everything looks fine. That’s the problem. “Fine” … Continue reading →

Every year, the 401(k) Averages Book comes out and tells us something we already know—but somehow still manage to ignore. Fees are going down. That’s the headline everyone wants to celebrate. Investment costs continue to drop, recordkeeping is more competitive … Continue reading →

One of the most common things plan sponsors say is, “We don’t get any complaints about our 401(k).” It sounds like a good thing. It’s not. In most cases, no complaints doesn’t mean satisfaction. It means silence. And silence in … Continue reading →

Every year, plan sponsors sit through the annual 401(k) review. There’s a deck. There are charts. Investment performance gets discussed. Fees get mentioned. Everyone nods, a few questions get asked, and then the meeting ends. And nothing changes. If that … Continue reading →

Walk into most 401(k) plans and you’ll see the same thing: a bloated investment lineup filled with options that all start to look the same after a while. Large cap blend A, large cap blend B, large cap blend C—different … Continue reading →

My wife loves Le Creuset, which means, by extension, so do I. I’ve been to enough factory-to-table sales across the country to know one thing: for every cooking need, they’ll happily sell you three different versions of the same product. … Continue reading →

Let’s not overcomplicate it. A federal court wiped out the 2024 Retirement Security Rule, and the Department of Labor responded the only way it really could—by reverting to the old five-part fiduciary test. That’s not reform. That’s not progress. That’s … Continue reading →

This is one of those stories where the headline sounds important, but the conclusion is something anyone in this business already knows. Student loan anxiety impacts retirement savings. Of course it does. That’s not insight—that’s reality. But what continues to … Continue reading →

For plan sponsors subject to annual retirement plan audits, the audit process can feel intimidating. Many sponsors worry that an audit will uncover problems that reflect poorly on their organization or create regulatory trouble. In reality, audits often serve a … Continue reading →