Lower Fees, Higher Stakes: Are CITs Right for Your Plan?
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...
Compliance
401(k) Fees Are Falling—But Are You Overpaying?
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
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...
Three Common 401(k) Audit Mistakes and Why Good Intentions Aren’t Enough
Most 401(k) compliance mistakes don’t come from bad actors. They come from good people who don’t realize their system or thought process is missing a...
Why Health Savings Accounts Are Becoming Essential to Retirement Planning
Healthcare is one of the largest—and most overlooked—expenses in retirement, making Health Savings Accounts (HSAs) an increasingly critical tool in long-term financial planning. With unique...
401(k) Fees Fall, But Gaps and Questions Remain
401(k) fees continue to trend downward across the industry, driven by increased competition, wider use of low-cost investment options, and institutional pricing. Investment-related costs have...
Fee Compression Continues, Small Plans Still Pay More
Investment fees are still falling across all plan sizes, but smaller plans continue to pay significantly more than their larger counterparts—and cost variation across providers...
The 10 Mistakes Plan Sponsors Are Still Making
Defined contribution plans have evolved significantly, but one persistent challenge remains: many plan sponsors are still not fully equipped to manage their responsibilities. Despite overseeing...
Balancing Fiduciary Responsibility & Employee Support in 401(k) Plans
For many HR professionals, balancing employee support with fiduciary responsibility can feel like a constant tension. Chris, an HR Director for a growing company of...
Six Questions Employers Often Ask Before Making Retirement Plan Changes
When employers start thinking about updating their retirement plan, the conversation often begins the same way: a mix of curiosity, uncertainty, and a genuine desire...
