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...
Fiduciary
Wealth Advisors Are Coming for the 401(k) Market
Retirement plan advisors (RPAs) and recordkeepers have a real challenge on their hands: wealth advisors are coming for their turf. And honestly, it’s not hard...
Trump Account Matching Has Recruiting Appeal and Compliance Strings Attached
Employer matching on Trump Accounts may sound like a natural extension of the family-first benefits trend that has reshaped recruiting over the past five years. ...
Finding the Middle Path Between Advisors and Record Keepers
Growing tension exists between retirement plan advisors and record keepers as both expand into participant financial services. As defined contribution plan economics tighten — driven...
SECURE 2.0 Self-Certification: Why Easier Hardship Withdrawals Are Driving Plan Leakage
SECURE 2.0’s self-certification rules mark a consequential shift in how hardship withdrawals are accessed, with meaningful implications for plan sponsors. By eliminating the need for...
In-Plan Retirement Income: From Exploration to Execution
For years, in-plan retirement income solutions have generated plenty of interest but limited action. That’s about to change. The Institutional Retirement Income Council (IRIC) is...
Free Tools Plan Sponsors Can Use to Vet Prospective Retirement Plan Advisors
Choosing the right financial advisor for your retirement plan is one of the most important decisions you’ll make as a plan sponsor. It’s also a...
Why Fiduciary Confusion Still Plagues Plan Sponsors
Despite the rapid evolution of the retirement industry, one challenge continues to surface among plan sponsors nationwide: persistent confusion surrounding fiduciary roles. Even though more...
The Coming Battle Over 401(k) Participant Data
The 401(k) industry is heading toward a major conflict over who can access and use participant data. Record keepers and advisors both depend on this...
Why Many Small 401(k) Plans Still Resist Auto Features — and How Advisors Can Help
Despite growing awareness of the benefits of automatic features like auto-enrollment and auto-escalation, many smaller 401(k) and 403(b) plans still trail larger ones in adopting...
