401k Advisor Archives - 401k Plan Optimization, Compliance, Investment & Partners

AI Is Changing Retirement Plans And Fiduciary Risk Is Evolving With It

By Fred Barstein / 401(k) advisor trust, 401k Advisor, AI, AI for Retirement, artificial intelligence, Cyber Security, Data privacy, DC Plan Sponsors, erisa, Fiduciary, Improving Outcomes, Plan design, Risk Management, rpaDD

Artificial intelligence tools are showing up in more corners of retirement plan operations: record-keeping, investment advice, participant communications. That’s creating new questions for plan sponsors...

The 401(k) Revolution Is Underway

By Fred Barstein / 401(k) advisor trust, 401k Advisor, 401k Trends, Adaptability, AI for Retirement, artificial intelligence, benefits committee, collaboration, DC Plan Sponsors, Economy, fee transparency, Fiduciary, Fiduciary Liability, Financial Advice, Financial Stress, financial stress management, Financial Wellness, funds, Future Self, investment, Retirement plan management, Retirement planning, retirement security

The defined contribution (DC) world—especially 401(k) and 403(b) plans—is no longer the quiet, complex corner of finance it once was. What used to be a...

Lower Fees, Higher Stakes: Are CITs Right for Your Plan?

By Fred Barstein / 401(k) Plan Management, 401k Advisor, Benchmarking & Monitoring Fees & Partners, CIT, Collective Investment Trust, Communication, DC Plan Sponsors, DC plans, erisa, fees, Fiduciary, Financial Wellness, Pay Transparency, Target Date Funds

Collective investment trusts have been around for decades, but for many plan sponsors, they still seem mysterious—or at least more complicated than they need to...

401(k) Fees Are Falling—But Are You Overpaying?

By Fred Barstein / 401k Advisor, Benchmarking & Fees (ERISA, retirement plan), Benchmarking & Monitoring Fees & Partners, benefit education, Changing dynamics, Changing Recordkeepers, Communication, DC Plan Sponsors, DC plans, education, erisa, Fiduciary, financial literacy

As 401(k) plans grow and add participants, fees are often left unchanged for years—despite ongoing fee compression across the industry driven by increased competition and...

Falling 401(k) Fees Are Only Half the Story

By Fred Barstein / 401k Advisor, Authenticity, Benchmarking & Monitoring Fees & Partners, Changing dynamics, Client connection, Consolidation, DOL, Economy, fee compression, fee lawsuits, fees, Fiduciary, Fiduciary Liability, Financial Advisors, financial wellness, Regs and Regulators, Retirement Plan Advisor Due Diligence

401(k) fees are continuing to fall—and that’s a good thing. Increased competition, better pricing structures, and the rise of low-cost investment options are all helping...

Could a Centralized Clearinghouse Fix 401(k) System Challenges?

By Fred Barstein / 401(k) Plan Management, 401k Advisor, Auto Portability, auto re-enroll, Compensation, DC Plan Sponsors, DC plans, Employee Benefits, Employee engagement, Fiduciary, Fiduciary, Financial Advisors, Financial Wellness, Financial Wellness, Investments, participation, Retirement Plan Advisor, Retirement planning

Defined contribution plans have come a long way, but the system still struggles with one big reality: people change jobs frequently. Over the course of...

Why HR Can’t Stop at Enrollment When It Comes to Retirement Plans

By Fred Barstein / 401(k) Plan Management, 401k Advisor, auto enroll, auto escalate, auto re-enroll, benefit education, Communication, DC Plan Sponsors, DC plans, education, Employee Benefits, Employee engagement, Employee feedback, Employee training, Fiduciary, Financial Wellness, Financial Wellness, HR, Retirement Readiness, Retirement Savings Concern

For many companies, the work of managing a retirement plan feels complete once employees are enrolled. But Teresa believes that’s only the starting point. As...

Creativity Drives Clarity in Advisor–Plan Sponsor Relationships

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, Adaptability, Authenticity, Client connection, collaboration, Communication, DC Plan Sponsors, Employee Benefits, Financial Advisors, Financial Wellness, Financial Wellness, financial wellness programs, Gamification Retirement Planning, Retirement Advisory

Creativity is increasingly essential in the relationship between retirement plan advisors and plan sponsors because effective communication is no longer one-size-fits-all. Advisors who can translate...

The Power of One-on-One Consultation in Building Retirement Readiness

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, benefit education, Client connection, Communication, Convergence, DC plans, Employee engagement, Fiduciary, financial wellness, One-on-on consulting, Retirement Plan Consultants

One-on-one consultations play a critical role in retirement readiness because they allow advisors to address each employee’s unique financial situation, goals, and concerns. As employees...

Preparing Employees for Retirement: What Plan Sponsors Should Do Now

By Fred Barstein / 401(k) Plan Management, 401k Advisor, benefit education, DC Plan Sponsors, education, Employee engagement, Employee happiness, Employee training, Fiduciary, financial literacy, financial stress management, Financial Wellness, participation, Retirement Plan Advisor, Retirement Readiness

When a company has a growing segment of employees approaching retirement age, it should proactively shift from simply “offering” a retirement plan to actively supporting...

AI Is Changing Retirement Plans And Fiduciary Risk Is Evolving With It

The 401(k) Revolution Is Underway

Lower Fees, Higher Stakes: Are CITs Right for Your Plan?

401(k) Fees Are Falling—But Are You Overpaying?

Could a Centralized Clearinghouse Fix 401(k) System Challenges?

Why HR Can’t Stop at Enrollment When It Comes to Retirement Plans

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