erisa

Six Common Myths That Increase Plan Sponsors’ Fiduciary Liability

By Fred Barstein / 401(k) Plan Management, Communication, DC Plan Sponsors, Employee Benefits, erisa, fee lawsuits, Fiduciary, Fiduciary Liability, Financial Advice, Financial Advisors, Financial Literacy, Financial Stress, Financial Wellness, Regs and Regulators

Fiduciary lawsuits continue to make headlines, but many plan sponsors don’t realize they’re operating under dangerous misconceptions about their responsibilities. In a recent article, Carol...

The CIT Takeover: What’s Driving the Shift in 401(k) Investing

By Fred Barstein / CIT, Collective Investment Trust, Company Contributions and Vesting, DC plans, Economy, erisa, ERISA Advisory Council, fee compression, Fiduciary, fiduciary, Financial Advisors, Financial Wellness, Investment Managers, Record Keepers

Collective Investment Trusts (cits)

Collective investment trusts (CITs) are rapidly gaining market share in 401(k) plans, increasingly replacing traditional mutual funds. Over the past 5–10 years—especially in advisor-sold retirement...

Supreme Court Decision Lowers the Bar for ERISA Lawsuits Against Plan Sponsors

By Fred Barstein / 401(k) Plan Management, Benchmarking & Monitoring Fees & Partners, Benchmarking Fees, Communication, DOL, DOL Guidance, erisa, ERISA Advisory Council, fee compression, fee lawsuits, fee transparency, Fiduciary, Fiduciary, investment, Managed Accounts, provider due diligence, Record Keepers, Recordkeeping, Retirement Plan Advisor Due Diligence, Retirement Plan Fees

Erisa Lawsuits

A recent Supreme Court decision has changed the legal landscape for plan sponsors, making it easier for plaintiffs to file lawsuits over how plans do...

Why 401(k) Sponsors Must Prioritize Cybersecurity

By Fred Barstein / 401k plan, Cyber Security, cybersecurity, cybersecurity insurance, DC Plan Sponsors, DC plans, erisa, Fiduciary, Retirement Plan Fiduciary

Cybersecurity

It’s no longer a question of if a retirement plan will be targeted by cybercriminals, but when. With vast amounts of sensitive personal data and...

Empower Lawsuit Highlights Need for Better Recordkeeper Oversight

By Fred Barstein / 401(k) Plan Management, Changing Recordkeepers, DC plans, erisa, ERISA Attorneys, Fiduciary, Financial Wellness, lawsuits

Lawsuit

A new lawsuit against recordkeeper Empower raises serious questions about how retirement plan providers use participant data for cross-selling purposes. The allegations, if proven true,...

The Key to Standing Out as a Retirement Plan Advisor? Be Yourself.

By Fred Barstein / 401k Advisor, 401k plan, Adaptability, Authenticity, Client connection, collaboration, Communication, DC Plan Sponsors, erisa, Fiduciary, Financial Wellness, mindfulness, Retirement Plan Advisor

Retirement Plan Advisor Authenticity

The retirement plan advisor space has long been filled with technical jargon and a narrow focus on the mechanics of 401(k) plans. But as fees...

401(k) Plans Are Changing—Here’s Why

By Fred Barstein / 401(k) Plan Management, 401k plan, Adaptability, Changing dynamics, Client connection, Convergence, Convergence & Advisor M&A, DC plans, erisa, Financial Advisors, Financial Wellness, Retirement Plan Advisor, WealthManagement.com

Convergence

The 401(k) industry is buzzing about private markets, crypto, ESG, and PEPs, but these trends pale in comparison to the real forces reshaping retirement plans. ...

Plan Sponsors Get Go-Ahead on Alternatives as DOL Shifts Stance

By Fred Barstein / benefit education, Changing dynamics, DOL, DOL Guidance, erisa, Fiduciary, financial wellness, Legislation

Dol Go Ahead

Plan sponsors who’ve been waiting for clearer regulatory guidance on alternative investments just got the signal they’ve been looking for. The Department of Labor’s Employee...

Plan Sponsors Face Wave of New SECURE 2.0 Requirements in 2025-26

By Fred Barstein / Compliance, DOL, erisa, Fiduciary, Financial Wellness, Plan Participation, Regs and Regulators, Retirement Readiness, SECURE 2.0, SECURE Act, Secure Act Changes

Secure2.0.

Plan sponsors are feeling the weight of SECURE 2.0’s ongoing rollout, and 2025 and 2026 bring no relief from the compliance pressures that have been...

PEPs: Scalable Solution or Still the Wild West of Retirement Plans?

By Fred Barstein / 401k plan, Changing dynamics, DC Plan Sponsors, DC plans, erisa, ERISA Attorneys, Fiduciary, Financial Advisors, Financial Wellness, PEPs, Retirement Plan Advisor, Retirement plan management, Retirement Plan Participation

Peps Wild West

Are Pooled Employer Plans (PEPs) a smart solution for expanding retirement coverage—or an overly complex, underregulated space that hasn’t lived up to expectations? PEPs were...

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