Recent court rulings suggest ‘methodical management’ may trigger liability. Is your 401k fiduciary compliance a solid defense or illusion?
Posts From Christopher Carosa, CTFA
Cunningham v. Cornell is testing whether traditional 401k fiduciary compliance truly protects plan sponsors. Courts and regulators are probing governance gaps, personal liability, and participant harm more aggressively than ever.
ERISA litigation enters a new aggressive phase in 2026. Are you falling into the top governance pitfalls plan sponsors must avoid?
Fiduciary litigation did not let up in 2025, and 2026 is seeing even more refined theories targeting 401k plans. Plan sponsors must look beyond procedural checklists to avoid the top governance pitfalls that trigger personal liability and erode participant savings.
Trump Account upgrades could solve recruiting woes via child IRAs—but will they risk new fiduciary liability. Is it worth the wrestle?
Could Employer Matching On Trump Accounts Become The Next Fiduciary Recruiting Perk (And Liability)?
With contributions via employer programs not beginning until July 4, 2026 (IRS Notice 2025-68), sponsors who move quickly have a compressed window to design, test, and communicate the benefit. That compression creates both opportunity and risk.
The $955 retirement savings headline ignited nationwide fear. But does it clarify the problem—or dangerously distort it?
Automatic enrollment made 401k saving effortless—but is the ‘Netflix Effect’ turning retirement readiness into background noise?
The Netflix Effect 401k retirement readiness problem may not come from bad markets, but from quiet disengagement. As automation pushes retirement saving into the background, readiness risks can grow unnoticed.
What The $955 Retirement Savings Headline Gets Wrong (And Why Fiduciaries Should Care)
The $955 retirement savings headline sparked national alarm, but fiduciaries must look beyond shock value to understand what the data truly reveals and how to respond.