Most Employers Now Offer or Plan to Offer Emergency Savings Accounts
Many American workers are living paycheck to paycheck, unable to cover even a modest unexpected expense. This financial fragility is prompting more employers to add...
Employee Benefits
Why Participant Loans Can Strengthen Retirement Readiness
Participant loans, when structured thoughtfully, can actually strengthen the overall retirement experience by reducing financial stress for employees. Knowing they can access a portion of...
Financial Wellness is a Must-Have for Reducing Stress, Improving Retention
Employee financial stress is pushing more companies to rethink their benefits strategy. And for good reason—nearly two-thirds of employers faced turnover rates of 10% or...
Micro-Retirements Could Be Your Best Bet for Keeping Gen Z Talent
Young workers aren’t waiting decades to take a break anymore. A growing number of Gen Z and millennial employees are planning what’s being called a...
Six Common Myths That Increase Plan Sponsors’ Fiduciary Liability
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
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...
From Auto-Enroll to Outcomes: The Power of Day-One Guidance
In a world where auto-enroll is table stakes, real outcomes still hinge on intentional onboarding and a documented process. That means giving new hires clear...
Is the 401(k) Industry Re-Bundling?
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. ...
Switching Retirement Plan Providers? Don’t Skip These Steps
Changing retirement plan providers sounds straightforward. Move from Provider A to Provider B, transfer the assets, and you’re done. But anyone who’s actually been through...
How Good Governance Helps Plan Sponsors Meet Their ERISA Obligations
Multimillion-dollar ERISA settlements make headlines weekly, and government audits continue to challenge fiduciary decisions in retirement plans. In light of these trends, solid governance isn’t...
