Monthly Archives: June 2026

Once upon a time, 401(k) eligibility was easy. Age 21. One year of service. Quarterly entry dates. Everyone understood the assignment. Then we collectively lost our minds. Today, eligibility is where simple concepts go to die. Immediate eligibility for deferrals? … Continue reading →

Few words in retirement plan administration should trigger more anxiety than: “We changed payroll providers.” Because payroll changes are never just payroll changes. To HR, it’s a software conversion. To finance, it’s an operational upgrade. To your retirement plan team? … Continue reading →

Providers love talking about technology. Modern platforms. Digital enrollment. AI tools. Participant dashboards. Mobile apps. That’s all nice. But when participants have an actual problem, they don’t care about your shiny interface. They call. And the person who answers that … Continue reading →

Every retirement plan problem seems to follow the same script. A contribution is wrong. A loan payment disappears. Eligibility is miscalculated. Payroll deductions don’t match elections. A participant calls angry. Then the finger-pointing begins. Payroll says the file went out … Continue reading →

When I worked for TPAs as an attorney, there were days I felt less like legal counsel and more like a firefighter. Not the glamorous kind. Not the heroic calendar photo kind. More the exhausted guy showing up because someone … Continue reading →