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...
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.
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...
Why Plan Sponsors Are Taking a Closer Look at PEPs & MEPs
For many HR teams, retirement plan oversight is competing for attention with an already crowded list of responsibilities. That pressure is helping drive new interest...
Recordkeepers Can’t Win on Products Alone Anymore
Nearly 11,000 Americans turn 65 every day. The industry knows how to help people save. Helping them spend is a different problem. Joshua Dietch, a...
Why Personalized Retirement Education Matters for Employees
A 401(k) statement can feel like a foreign language — market jargon, fund names, percentages that seem to shift for no reason. For many employees,...
Financial Planning Moves Into the Workplace
Financial planning is increasingly emerging as a natural extension of workplace retirement benefits as employees look for more personalized help managing their broader financial lives. ...
Small Business Retirement Plans: Is Predictable Pricing Part of the Answer?
Small business owners overwhelmingly see the value of offering a retirement plan. But keeping one affordable and sustainable as the business grows can be another...
