Every 0.01% Impacts Participant Outcomes
How can 401(k) benchmarking help plan sponsors manage 401(k) plan fees, meet fiduciary responsibilities, and improve retirement outcomes? When managing a workplace retirement plan, attention is often placed on total plan assets, average account balances, and investment performance. Yet, plan fees can have a meaningful impact on participant outcomes, especially when compounded over time. This […]
Power Up Your 401(k) Plan
Just like a game has levels, so does retirement. You can unlock new levels over time as you participate. The longer you participate, the more your savings may grow. You Don’t Need to Be an Expert Player to Retire Comfortably A 401(k) plan is your savings account for the future. You choose to put a […]
Employee Burnout Solutions That Work
Taking Your Company from Bare-Minimum Monday to Everyday Excellence You may be familiar with Bare-Minimum Mondays, Take-It-Easy Tuesdays, Let’s-Not-Work-Too-Hard Wednesdays, and No-Think Thursdays. Social media has given a humorous twist to online discussions of work avoidance techniques. Beneath the jokes, it’s clear that many employees are feeling overwhelmed and burned out. For employers, disengagement is […]
8 Essential Steps for Your Next Investment Review
Follow this guide to align your investment menu with participant needs. Here’s what to focus on: Start with your investment framework. Review the investment menu structure. Use consistent criteria to evaluate individual funds. Know what each fund is and the role it plays. Evaluate the QDIA. Take a closer look at your target date funds […]
3 Creative Ways to Unlock Company Savings
Explore high-impact, low-disruption strategies to reduce costs while keeping your benefits competitive. We are often asked how companies can reduce overhead without sacrificing employee satisfaction. Did you know that your retirement plan, healthcare strategy, and employee retention initiatives may be hiding thousands of dollars in easily achievable savings? If you haven’t revisited these areas in […]
Newsletter – Navigating 2026 with Confidence
Newsletter: Navigating 2026 with Confidence This quarter’s newsletter explores the key regulatory, workforce, and fiduciary shifts shaping retirement plan strategy in 2026. Here’s what plan sponsors need to know: What Plan Sponsors Need to Know in 2026 New SECURE 2.0 provisions, including Roth catch-up contributions, super catch-up limits, long-term part-time eligibility, and plan document restatements, […]
High Earners Roth Catch-up Provision
Beginning in 2026, a new rule will change how some employees make catch-up contributions. Workers age 50 or older who earned more than $150,000 in 2025 FICA wages must make their catch-up contribution as Roth, not pre-tax. Regular deferrals do not have to change. Plan sponsors can choose from several ways to apply the rule. […]
Retiring and Hiring: Generational Shifts and Your Workplace 401(k) Plan
Demographic cycles, generational expectations, and evolving retirement income solutions are reshaping the cost and opportunities of retirement plan design Every day, roughly 11,400 Baby Boomers turn 65, ushering in a historic retirement wave known as “Peak 65”. As this generation steps into retirement, the makeup of the workforce is changing fast. Baby Boomers, once the […]
Litigation Updates for Retirement Plan Committees
Notable case highlights and what to expect It’s been an exciting year for 401(k) plans, with court decisions shaping what’s expected of plan sponsors and fiduciaries. Here are the key decisions and issues to watch going into 2026. Did the Supreme Court make it easier for employees to bring ERISA lawsuits? The Supreme Court opined […]
What Every Plan Sponsor Should Know for 2026
Key updates and trends shaping retirement plans in the year ahead Retirement plan rules continue to evolve, and 2026 brings several important updates that may affect plan operations, participant experiences, and fiduciary responsibilities. Nearly 80% of plan sponsors have already taken steps to address SECURE 2.0 changes before their effective dates.[1] Understanding what is required […]