Author Archives: admin

If there’s one consistent truth in the retirement plan world, it’s that nothing stays consistent—especially the Qualified Default Investment Alternative (QDIA). Yet for some reason, many plan sponsors treat picking a QDIA like picking a couch: choose it once, stick … Continue reading →

If you’re a plan sponsor reading this, you can sit back, relax, and think, “I’ll never be that guy.” Except the guy in question just might be you. The case of Rick Case Enterprises Inc.—a Florida automotive group that allegedly … Continue reading →

Bundling sounds so convenient, doesn’t it? One login, one service team, one bill. It’s the Netflix of plan administration — until the compliance season arrives and the algorithm starts buffering. Payroll companies love to sell the dream: “We can handle … Continue reading →

Every plan provider has crossed paths with one — the advisor who talks a big fiduciary game but couldn’t tell you the difference between an ADP test and a CPA firm. He’s polished, personable, and occasionally sends you client leads, … Continue reading →

Every few months, I hear a plan sponsor brag, “Our provider said the 401(k) is free!” And every time, I have to resist the urge to reply, “So is lunch—if you’re on the menu.” Let’s be clear: there’s no such … Continue reading →

We’ve all heard it: “Don’t leave free money on the table.” It’s the classic pitch to get employees to participate in their 401(k) plans. Employers proudly offer a match, expecting that phrase alone will light a financial fire under their … Continue reading →

Here’s the straight talk: smaller employers—those with under roughly $50 million in plan assets—are getting left behind when it comes to automatic enrollment in workplace retirement plans. And as long as that gap persists, too many workers will continue missing … Continue reading →

Here’s what’s happening — and what every plan sponsor, consultant, and fiduciary should take to heart. What the Facts Say IBM’s 401(k) plan is under fire. A lawsuit alleges that the plan fiduciaries retained proprietary target-date funds (TDFs) and target-risk … Continue reading →

There’s a metric that every plan provider loves to brag about: enrollment rates. Auto-enrollment has made it so easy that even the most indifferent employee ends up in the plan. Great, right? Well… not so fast. High enrollment doesn’t mean … Continue reading →

There’s a metric that every plan provider loves to brag about: enrollment rates. Auto-enrollment has made it so easy that even the most indifferent employee ends up in the plan. Great, right? Well… not so fast. High enrollment doesn’t mean … Continue reading →