Financial Stress Is Reshaping Employee Benefits & Retirement Saving
More employees are feeling financially overwhelmed — and ironically, many are responding by cutting back on the very workplace benefits designed to help them long...
DC plans
Financial Stress Is Pushing Workers to Cut Back on Benefits Contributions, Including 401(k) Savings
More than half of U.S. employees say financial stress is affecting their work, and many are responding by reducing contributions to the very benefits designed...
The Continued Rise of CITs in the Defined Contribution Market
Collective Investment Trusts (CITs) continue gaining momentum across the defined contribution marketplace as plan sponsors, advisors, and providers increasingly seek lower-cost investment solutions and more...
The 401(k) Backbone Is Finally Getting Its Upgrade
The backbone of the defined contribution (DC) industry—recordkeeping technology—is finally getting a long-overdue upgrade. For decades, legacy systems built on outdated infrastructure have limited innovation,...
How Paycheck Transparency Drives Higher 401(k) Participation
Many employees enrolling in a 401(k) for the first time hesitate because they’re unsure how contributions will affect their take-home pay. This uncertainty can be...
CITs in 401(k) Plans: Lower Fees, Higher Stakes
The shift toward collective investment trusts (CITs) in 401(k) plans is accelerating—driven largely by the push for lower fees. But cheaper doesn’t always mean better. ...
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...
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...
Could a Centralized Clearinghouse Fix 401(k) System Challenges?
Defined contribution plans have come a long way, but the system still struggles with one big reality: people change jobs frequently. Over the course of...
