Category Archives: Retirement Plans

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 →

If you’ve been around the 401(k) block as long as I have, you know that the most innocuous-looking sentence in a plan document—the stated matching formula—is often the one that blows up in a plan sponsor’s face. And not with … Continue reading →

In the world of retirement plans, we’re comfortable with spreadsheets, deferral limits, matching formulas, and the usual fiduciary checklists. But let me tell you: we’re entering a territory where you may not be fully in control—and that territory is powered … Continue reading →

So here’s what I’ve been watching—because if you’re a fiduciary, you don’t just watch these numbers, you study them. According to the latest Plan Sponsor Council of America (PSCA) survey, employee participation in workplace 401(k) plans has climbed—even amid economic … Continue reading →

Greetings—this is Ary Rosenbaum picking up the referee’s whistle to review a recent win for fiduciaries and what it signals for plan-sponsors, TPAs, and compliance teams. 1. What Happened A federal judge dismissed a lawsuit against Peco Foods Inc. that … Continue reading →