Six Red Flags That Signal Your 401(k) Advisor Isn’t Worth the Cost
After 25 years of benchmarking retirement plans across Oklahoma, Terry Morgan, AIF, CPFA of OK 401k has seen some patterns that have become impossible to...
Financial Wellness
Plan Sponsors Turn to CITs for Lower Costs and Flexibility
Collective investment trusts (CITs) have steadily gained traction in retirement plan lineups, and for good reason. A recent article from the International Foundation of Employee...
401(k) Plans Are Changing—Here’s Why
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. ...
The Overlooked RPA Checkup: Why Advisors Need Reviews Too
Most plan sponsors carefully review investment managers and recordkeepers, yet rarely apply the same scrutiny to their retirement plan advisors (RPAs). It’s an odd gap—especially...
The Hidden Risks of a “One Size Fits All” Retirement Plan Approach
A “one size fits all” approach to retirement plans can be surprisingly detrimental because it overlooks the diverse financial situations, goals, and risk tolerances of...
PEPs: Scalable Solution or Still the Wild West of Retirement Plans?
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...
Responding to Cyber Attacks: What Plan Sponsors Must Know
Cyberattacks don’t announce themselves. They slip through defenses quietly, often going undetected until participant data is already compromised. Most retirement plan sponsors assume their plan...
401k Real Chat: Jamie Greenleaf on Healthcare Fiduciary Risk
In this episode of 401k Real Chat, Fred Barstein spoke with Jamie Greenleaf, co-founder of Fiduciary In A Box and longtime industry veteran, to talk...
The One Trait That Sets Great Retirement Plan Advisors Apart
Despite the massive success of the U.S. defined contribution (DC) retirement system—with over $12 trillion in assets—many plans are managed by undertrained HR and finance...
Helping Former Employees Keep Their Retirement on Track
When employees leave a company with small 401(k) balances—typically under $7,000—plan sponsors are permitted to initiate a “force-out,” removing these accounts from the plan. While...
