How AI and HR Technology Are Transforming Employee Access to Benefits
More and more employers are turning to AI and integrated HR technology to help employees easily access the information they need — from payroll and...
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.
AI Is Changing Retirement Plans And Fiduciary Risk Is Evolving With It
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
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...
How Artificial Intelligence Is Transforming Participant Engagement in Retirement Plans
Artificial intelligence is poised to fundamentally reshape how plan sponsors engage with participants by enabling more personalized, data-driven interactions at scale. Rather than relying on...
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...
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...
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...
