Three Common 401(k) Audit Mistakes and Why Good Intentions Aren’t Enough
Most 401(k) compliance mistakes don’t come from bad actors. They come from good people who don’t realize their system or thought process is missing a...
Recordkeeping
Why the 401(k) Industry Must Adapt to Phased Retirement
Defined contribution plans have evolved, but the industry still isn’t fully aligned with how today’s workforce approaches retirement. As employees live longer and seek more...
BlackRock DC Report Highlights Five Trends Transforming the 401(k) Into a Personal Pension
Saving matters, but it’s only part of the equation. The harder challenge is helping individuals turn those savings into income they can count on for...
The Illusion of 401(k)s — And What Comes Next
Defined contribution plans like 401(k)s and 403(b)s may appear to be fixed retirement vehicles, but in reality they are constantly shifting collections of individual accounts. ...
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...
When “Co-opetition” Becomes Co-option: Why Advisor Independence Still Matters
The relationship between retirement plan advisors and recordkeepers has always involved some natural tension. But as both sides expand into overlapping territory, plan sponsors need...
Recordkeeper Switches Can Go Wrong Fast. Is Your Plan Protected?
Switching recordkeepers might seem like a straightforward administrative move, but when things go sideways, the consequences can be severe. A recent lawsuit against a Florida...
The Next Wave of 401(k) Record Keeper Consolidation
The 401(k) record-keeping industry is entering a new wave of consolidation, with more providers expected to merge or exit in the next three to five...
The Future of Aggregators: Key Takeaways From the 2025 Roundtable
The 2025 Aggregator Roundtable brought together leaders from major RIA and RPA aggregators to discuss how workplace retirement, wealth, and benefits are converging. With fees...
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...
