Monthly Archives: December 2025

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 →

As I sit back, figuratively dusting off my “That 401(k) Conference” binder and sipping lukewarm coffee—the true fuel of every ERISA late-night writing session—here’s how I, Ary Rosenbaum, see the latest IRS release of the 2026 retirement plan limits: another … Continue reading →