Employees Feel Fine Day to Day—but Financial Stress Is Undermining Resilience
Most employees say they’re doing pretty well on a daily basis. But dig a little deeper, and the picture changes. A new national survey from...
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.
The Power of One-on-One Consultation in Building Retirement Readiness
One-on-one consultations play a critical role in retirement readiness because they allow advisors to address each employee’s unique financial situation, goals, and concerns. As employees...
Preparing Employees for Retirement: What Plan Sponsors Should Do Now
When a company has a growing segment of employees approaching retirement age, it should proactively shift from simply “offering” a retirement plan to actively supporting...
Student Loan Wage Garnishment Is Back and Employers Are on the Front Line
After years on pause, student loan wage garnishment has officially returned. The Department of Education confirmed that garnishment notices went out the week of Jan....
How Advisor Engagement Drives Higher Retirement Plan Participation
Working with a retirement plan advisor to increase participation is one of the most effective ways to strengthen an organization’s benefits strategy and improve long-term...
Recordkeeper Switches Can Go Wrong Fast. Is Your Plan Protected?
Switching recordkeepers might seem like a straightforward administrative move, but when things go sideways, the consequences can be severe. A recent lawsuit against a Florida...
Why Employee Education Requires More Than One Method
Employee education requires more than one method because no single approach can effectively reach an entire workforce. Employees have different schedules, learning styles, comfort levels,...
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...
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...
