Six Plan Governance Blind Spots and How to Fix Them
Running a retirement plan involves a lot of moving pieces—service providers, investment options, fees, compliance requirements—and it’s easy for fiduciaries to get so deep into...
investment
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...
Private Credit Leaders Say It’s Time to Drop the “Semi-Liquid” Label
The private credit industry is doing some soul-searching—and one of the first casualties may be the term “semi-liquid.” That was a key theme at this...
Alternative Investments in 401(k)s: What the DOL’s New Safe Harbor Can—and Can’t—Do
When President Trump’s executive order encouraging 401(k) plans to include alternative investments first dropped, it sparked strong reactions. Some advisors warned plans to stay away...
The 401(k) Revolution Is Underway
The defined contribution (DC) world—especially 401(k) and 403(b) plans—is no longer the quiet, complex corner of finance it once was. What used to be a...
The 10 Mistakes Plan Sponsors Are Still Making
Defined contribution plans have evolved significantly, but one persistent challenge remains: many plan sponsors are still not fully equipped to manage their responsibilities. Despite overseeing...
Health and Wealth Benefits Shouldn’t Be Communicated Separately
Health impacts finances. Finances impact health. It’s not a new insight, but a recent white paper from Milliman, a global actuarial and consulting firm, argues...
One-Size-Fits-All Retirement Education Doesn’t Work
Not every employee walks into a retirement seminar with the same questions. A 24-year-old just starting their career has very different concerns than a 61-year-old...
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...
The 3(21) vs. 3(38) Debate: Why Delegation Doesn’t Mean You’re Off the Hook
The promise sounds appealing: hire a fiduciary advisor, hand over investment decisions, and sleep better at night knowing someone else is handling the heavy lifting. ...
