Could AI Make 401(k) Education More Personal?
What if plan sponsors could pinpoint which employees need help with their 401(k) and offer education tailored to them? After a recent TPSU program at...
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.
What Plan Sponsors Really Need as the 401(k) Industry Evolves
The retirement industry is changing quickly, but are advisors and providers focusing on what plan sponsors actually need? From artificial intelligence and industry consolidation to...
Could Voluntary Benefits Become the Next Target for ERISA Lawsuits?
Retirement plan sponsors have spent years navigating lawsuits about excessive fees and fiduciary responsibilities. Now, another category of employee benefits may be attracting plaintiffs’ attorneys’...
A More Engaged 401(k) Committee Starts With New Voices
A retirement plan committee helps guide decisions that affect employees’ savings and financial futures. But when the same people serve year after year, discussions can...
Making 401(k) Education Simple, Visual and Actionable
For participant education to work, employees first have to pay attention. And sometimes, four minutes is all you need. Following a recent TPSU program at...
Making Retirement Real: Helping Participants Budget for the Future
Saving for retirement can feel abstract, especially when participants haven’t considered what their life after work might actually cost. Following a recent TPSU program at...
Let’s Rethink the Role of 401(k) Loans in Retirement Planning
Borrowing from a 401(k) is often treated as something participants should avoid whenever possible. Taking money out of a retirement account means less money invested...
When Should Participant Preferences Shape Retirement Plan Decisions?
Participant feedback can offer valuable insight into what employees want from their retirement benefits. But translating those preferences into plan decisions requires plan sponsors and...
Target-Date Funds Are the Default Choice — But They Can’t Be a Default Decision
The Investment Company Institute reports that approximately $4.9 trillion was invested in target-date strategies at year-end 2025.[1] A clear indication that Target-date funds (“TDFs”) have...
AI Can Help Run Your Plan But Fiduciaries Still Own the Mistakes
AI is showing up in more corners of plan administration: personalized communications, claims processing, investment reviews, even committee minutes. The time savings are real. But...
