Category Archives: Retirement Plans

Recent reporting shows that roughly 42% of full-time U.S. workers — more than 40 million people, don’t have access to a retirement plan through their employer. That number should give everyone in the industry pause. This isn’t simply a headline … Continue reading →

I sat in the doctor’s office recently because my daughter needed a physical exam for college — one of those “where did the time go?” moments that reminds you life keeps moving whether you’re ready or not. As I looked … Continue reading →

In the retirement industry, one of the most persistent, and convenient, myths is the idea that there exists a single fiduciary solution that solves every problem for every plan. A package, a platform, a program that checks every box, eliminates … Continue reading →

Every plan sponsor knows the feeling, employees come and go, but their 401(k) balances often stay behind like unpacked boxes from a move three years ago. It seems harmless, even administrative convenience at first. Then reality hits: more accounts, more … Continue reading →

Just when the 401(k) frontier seemed to be getting a new sheriff , tougher advice standards, greater accountability, the DOL has quietly dropped its appeal defending the 2024 fiduciary rule. That regulation would have expanded fiduciary duty to rollover guidance … Continue reading →

Just when the 401(k) frontier seemed to be getting a new sheriff , tougher advice standards, greater accountability, the DOL has quietly dropped its appeal defending the 2024 fiduciary rule. That regulation would have expanded fiduciary duty to rollover guidance … Continue reading →

A new study examining how retirees manage annuity payouts from defined-contribution plans should make every 401(k) plan sponsor sit up and pay attention. We spend so much time focused on accumulation, deferral rates, employer contributions, fund lineups, that we sometimes … Continue reading →

The recent complaint against One Brooklyn Health System Inc. hits like a cold gust in a dusty frontier town, sudden, sharp, and full of consequences. The plan is accused of mismanaging its 403(b) by offering expensive “retail” share classes of … Continue reading →

Every plan sponsor owns a plan document. Very few read it. Fewer understand it. And almost none use it as the operating manual it was designed to be. Instead, many rely on “tribal knowledge”, the memory of someone in HR … Continue reading →

If I had a dollar for every time a plan sponsor told me, “We’ve always done it that way,” I’d have a retirement plan without recordkeeping fees. Tradition might be great for Thanksgiving recipes, but it’s a disaster for plan … Continue reading →