Christopher Carosa, CTFA
How Should 401k Plan Sponsors Measure Retirement Plan Success?
How should 401k plan sponsors measure retirement plan success? High participation rates can hide poor participant outcomes. This week’s Thoughtleader Roundtable examines why traditional metrics may be misleading and what better measures fiduciaries should adopt.
Retirement Plan Success Is Measured Wrong. How Can Plan Sponsors Fix That?
What does retirement plan success look like? Most plan sponsors can tell you their participation rate. Many can tell you how much plan assets have grown over the past year. Some can even produce retirement readiness scores generated by sophisticated software. But what if none of those numbers answers the question that matters most? What […] Read Full Article
What If The Founding Fathers Were 401k Plan Sponsors?
What if the Founding Fathers were 401k plan sponsors? They never saw a 401k, yet faced many of the same challenges we do today — uncertainty, delayed gratification, and preparing for the future. This week’s Thoughtleader Roundtable explores the lessons Franklin, Washington, Jefferson, and Hamilton might offer modern fiduciaries.
What Advice Would The Founding Fathers Give On Saving For Retirement?
The retirement system itself has undergone a revolution. The Congress that oversees retirement policy today would have been unrecognizable to the men who signed the Declaration of Independence. ERISA, enacted in 1974, created a comprehensive fiduciary framework that would have been unimaginable to Franklin, Washington, Jefferson, or Hamilton.
Must 401k Plan Sponsors Must Tackle Decumulation?
Decumulation 401k strategies promise to turn retirement savings into reliable income streams — but they also create new fiduciary responsibilities for plan sponsors. This week’s Thoughtleader Roundtable examines the challenges and practical approaches.
Decumulation Strategies Create New Fiduciary Questions For 401k Plan Sponsors
The reality is that many retirement planning decisions already require participants to evaluate concepts they may not fully understand. That reality raises an important question. Should a plan exclude a potentially beneficial option simply because some participants may find it difficult to understand?
With Impending Adviser Shortage Doom 401k Plan Sponsors?
Is an impending adviser shortage about to doom 401k plan sponsors? With fewer qualified experts available, plan fiduciaries face rising compliance and oversight risks. This week’s Thoughtleader Roundtable explores the talent crisis and practical strategies to protect retirement plans.
Advisor Shortage Risk Creates New Challenges For 401k Plan Sponsors
Who will attend meetings? Who will prepare reports? Who will respond to participant questions? Who will provide investment recommendations? Who ultimately bears fiduciary responsibility?
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