401k Investments Archives - Page 4 of 60 - 401k Plan Optimization, Compliance, Investment & Partners

Why Employee Communication Matters in Financial Literacy

By Fred Barstein / 401(k) Plan Management, benefit education, Client connection, Communication, Confidence, DC Plan Sponsors, DC plans, Employee engagement, Employee happiness, Fiduciary, Fiduciary Training, Financial Advice, financial behaviors, financial literacy, Financial Stress

Employee communication is essential for building financial literacy, especially around retirement benefits. Even the strongest 401(k) plan won’t have its intended impact if employees don’t...

The 3(21) vs. 3(38) Debate: Why Delegation Doesn’t Mean You’re Off the Hook

By Fred Barstein / 3(16) Plan Administrator, 401(k) advisor trust, 401(k) Managed Accounts, 401(k) Plan Management, Benchmarking & Monitoring Fees & Partners, benefit education, benefits committee, Client connection, collaboration, Communication, DC Plan Sponsors, Distribution, Documents & testing, DOL, DOL Guidance, Fiduciary Liability, Financial Advisors, Financial Stress, investment, investment comittee, Retirement Committee, Retirement Plan Advisor Due Diligence

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. ...

Why Many Small 401(k) Plans Still Resist Auto Features — and How Advisors Can Help

By Fred Barstein / 401(k) Plan Management, 401k Advisor, AI, auto enroll, auto escalate, Auto Portability, auto re-enroll, Communication, DC Plan Sponsors, DC plans, Digital Tools, Employee feedback, fee compression, fees, Fiduciary, Financial Advisors, Financial Wellness, Hybrid Advisors, Investments, Retirement Advisor Specialist, retirement income, small plans

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...

The Power of Clarity: Why Great Advisors Master Simple Communication

By Fred Barstein / 401(k) advisor trust, 401k Advisor, Adaptability, Client connection, collaboration, Communication, DC Plan Sponsors, Fiduciary, Financial Advice, financial stress management, Financial Wellness, Specialist vs. Generalist

Clear, simple communication is one of the most powerful skills a retirement plan advisor can have. In a world overflowing with emails, texts, and updates,...

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...

Middle-Class Retirement Gaps Show Where Sponsors and Advisors Can Step In

By Fred Barstein / 401k News, auto enroll, auto escalate, Auto Portability, benefit education, collaboration, Communication, DC plans, Emergency Savings, Employee Benefits, Employee feedback, financial stress, financial stress management, Financial Wellness, Financial Wellness, Gen X, Gen Z, Improving Outcomes, Retirement Income, Retirement Readiness

The retirement outlook for America’s middle class isn’t pretty. New research from the Transamerica Center for Retirement Studies, cited in InvestmentNews, paints a picture of...

Why Plan Sponsors Play a Critical Role in Retirement Readiness

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, benefit education, Changing dynamics, collaboration, Communication, DC Plan Sponsors, Employee engagement, Employee happiness, Fiduciary, Financial Wellness, Ideal Plan, Improving Outcomes, Retirement Committee, Retirement Readiness

Improving employee retirement readiness begins with helping workers make informed financial decisions today. When employees understand how their choices around saving, debt, and spending impact...

When Employees Pause Retirement Savings: Time for Plan Sponsors to Get Involved

By Fred Barstein / 401(k) Plan Management, auto enroll, benefit education, Benefits integration, Communication, Company Contributions and Vesting, Compensation, Compensation, DC Plan Sponsors, Emergency Savings, Employee engagement, Employer Contribution, Fiduciary, Financial Literacy, financial stress management, Financial Wellness, Health & Wellness, Investments, Retirement Readiness, Retirement Savings Concern

Nearly 70% of employees are stressed about their finances and living paycheck to paycheck, according to PNC data cited in a recent Employee Benefit News...

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

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...

Is the 401(k) Industry Re-Bundling?

By Fred Barstein / Adaptability, Benefits integration, bundling, Changing dynamics, collaboration, Communication, Consolidation, Convergence, Employee Benefits, Financial Wellness, Healthcare & other benefits, Lifestyle Benefits, Target Date Funds

After decades of unbundling recordkeeping, advisory, and investment services, the 401(k) industry appears to be moving back toward re-bundling as consolidation and wealth-retirement convergence accelerate. ...

The Power of Clarity: Why Great Advisors Master Simple Communication

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