Top 10 401(k) Stories in 2025
The retirement industry saw significant transformation in 2025, with several major themes shaping how employers, advisors, record keepers, and participants navigate the 401(k) landscape. The...
Fiduciary
ERISA, liability, fiduciary responsibility. Plan sponsors always have some form of Fiduciary status but they can share that responsibility with 3rd parties like plan advisers or other service providers. These adviser or providers can act as a 3(21), 3(38) or 3(16) fiduciaries. 3rd parties hired by plan sponsors are sometimes called co-fiduciaries.
Most Employers Now Offer or Plan to Offer Emergency Savings Accounts
Many American workers are living paycheck to paycheck, unable to cover even a modest unexpected expense. This financial fragility is prompting more employers to add...
Why Participant Loans Can Strengthen Retirement Readiness
Participant loans, when structured thoughtfully, can actually strengthen the overall retirement experience by reducing financial stress for employees. Knowing they can access a portion of...
Free Tools Plan Sponsors Can Use to Vet Prospective Retirement Plan Advisors
Choosing the right financial advisor for your retirement plan is one of the most important decisions you’ll make as a plan sponsor. It’s also a...
Why Fiduciary Confusion Still Plagues Plan Sponsors
Despite the rapid evolution of the retirement industry, one challenge continues to surface among plan sponsors nationwide: persistent confusion surrounding fiduciary roles. Even though more...
The Future of Aggregators: Key Takeaways From the 2025 Roundtable
The 2025 Aggregator Roundtable brought together leaders from major RIA and RPA aggregators to discuss how workplace retirement, wealth, and benefits are converging. With fees...
Financial Wellness is a Must-Have for Reducing Stress, Improving Retention
Employee financial stress is pushing more companies to rethink their benefits strategy. And for good reason—nearly two-thirds of employers faced turnover rates of 10% or...
Why Employee Communication Matters in Financial Literacy
Employee communication is essential for building financial literacy, especially around retirement benefits. Even the strongest 401(k) plan won’t have its intended impact if employees don’t...
A Decade of Impact: Todd Barden and TPSU at Marquette University
At the end of a recent Fiduciary Education Program held on the campus of Marquette University, Fred Barstein, CEO and Founder of The Plan Sponsor...
Micro-Retirements Could Be Your Best Bet for Keeping Gen Z Talent
Young workers aren’t waiting decades to take a break anymore. A growing number of Gen Z and millennial employees are planning what’s being called a...
