Of course, to really answer the question of post-retirement middle class stability, we have to understand what “middle class” means. Luckily, there are folks who collect data, which helps with this definition.

- Is There A Cure For Covid Caused 401k Leakage? 0
- Can 401k Auto-Enrollment Be Too High? 0
- Exclusive Interview: Sheryl Garrett Says We Aren’t Doing Enough To Mitigate Conflicts-Of-Interest 0
- What 401k Plan Sponsors Should Do About ‘Lost’ Participants 1
- $4.3 Million Or $1.27 Million? What’s The Point Of Scary Retirement Projection Numbers? 0

Things getting complicated, been there/done that, and a rose is a rose.
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/15/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/8/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/1/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/25/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/18/23 0

There’s a fear that those rushing to promote their own PEPs are merely trying to return to the bundle service provider environment the industry evolved away from more than a decade ago. This makes due diligence all the more important.
- 401k Plan Sponsors Look Before You Leap – Do MEPs Really Reduce Fees? 1
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- Exclusive Interview: Pete Swisher Explains Why Companies Don’t Care About MEPs (or PEPs or Even 401k Plans) 0
- Exclusive Interview: Ary Rosenbaum Says, Despite SECURE ACT, Some 401k MEPs Challenges Remain 0
- To MEP Or Not To MEP? That is the SECURE 401k Question 0

I don’t think the plan service providers should provide participant advice. Advice to participants should be provided by a non-related third-party fiduciary.
- Exclusive Dueling Interviews: Jack Towarnicky vs. Larry Starr on 401k Plan Loans (And More!) 0
- Exclusive Interview: Expert Witness Scott Simon Testifies On Common Trust Law And The ERISA Fiduciary 0
- Exclusive Interview: Nevin Adams On Being RINO—‘Retired In Name Only’ 0
- Exclusive Interview: Harold Evensky: Reg BI ‘Makes Absolutely No Sense’ 1
- Exclusive Interview: Robert Weiss Says We’ve Become ‘A Nation Of Watchers’ 0

Of course, to really answer the question of post-retirement middle class stability, we have to understand what “middle class” means. Luckily, there are folks who collect data, which helps with this definition.
- Can 401k Auto-Enrollment Be Too High? 0
- $4.3 Million Or $1.27 Million? What’s The Point Of Scary Retirement Projection Numbers? 0
- ‘Forgotten’ 401k Accounts Study Criticized By Fiduciary Professionals 1
- Ideas From ‘Beyond Fiduciary’ Hint At The Future Of 401k 1
- Why Is ‘Fiduciary’ Losing Its Luster? 1

You cannot understate the fiduciary aspect of lower fees. Most 401k plan sponsors, and especially those in smaller plans, don’t have the time or expertise to administer their company’s retirement plan. If they skimp on fees, are they also skimping on the fiduciary protection those professionals are supposed to provide?
- Hughes v. Northwestern, Anyone? Why Don’t TSP Participants Deserve ERISA Fiduciary Protections? 0
- If You Meet Your Objectives, Does It Make Sense To Worry About Fees? 0
- When It Comes To Fees, How Does A 401k Fiduciary Measure Value? 0
- Taking a Fiduciary Holistic Approach: How Can 401k Participant Data Be Used? 1
- Where and When Do 401k Fees Still Matter? 0

“They can benefit from something more tailored to their unique circumstances, particularly as they are approaching certain key inflection points in their working lives or key financial decisions they have to make or key life events. Therefore, what we’ve been seeing in the retirement plan industry is this emphasis on retirement plan services.”
- How Stock Pickers Incorporate (Or Don’t) ESG And Stay Within Their Fiduciary Duty To Clients 0
- Is ESG Investing A Problem For Fiduciary Duty? 0
- Can Cost Trump Your Fiduciary Duty? 0
- What Can Be Done As Rising Rates Tank Bond Funds Leaving 401k Savers Bewildered? 0
- Will DOL’s New ESG Fiduciary Rule Change How 401k Plan Sponsors Pick Investments? 0

It’s clear, then, that there’s a problem. In order how to best come up cure for Covid-related leakage, we have to zero in on exactly when the trouble lies.

We take a different approach by looking not too far back in the past. This avoids the “getting lost in the sauce of history” problem so many retrospectives have. It’s the opposite of the “recency” problem, where we place too much emphasis on that which lies closest to our memories. Often, instead, we’ll give more than proper weight to happenings in a distance that is rapidly losing relevance.
- Top 5 FiduciaryNews.com Stories In 2022 For The 401k Plan Sponsor And Fiduciary 0
- Final Fiduciary Thoughts For 2022 And What To Expect (Or Not) In 2023 0
- 5 401k Differences To Expect In 5 Years 2
- The Top Ten “Must Read” FiduciaryNews.com Articles Over The Past Five Years! 0
- Top 5 FiduciaryNews.com Stories in 2020 for the 401k Plan Sponsor and Fiduciary 0

Things getting complicated, been there/done that, and a rose is a rose.
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/15/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/8/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/1/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/25/23 0
- FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/18/23 0