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Is Your 401k Auto-Enrollment Success Story Incomplete?
The idea of 401k auto-enrollment may be one of the greatest innovations in retirement plan history—or one of its greatest illusions. Few plan design features have done more to increase participation. Yet participation and retirement readiness are not synonymous, and confusing the two may create what can only be described as the Auto-Enrollment Paradox. The […] Read Full Article
Why Email Open Rates Fail to Measure True 401k Participant Engagement
The same challenge appears in required participant disclosures. Compliance may require sending documents, but sending documents does not guarantee that participants receive useful information.
Exclusive Interview: Ed Siedle’s Whistleblowing Lessons
In my decades of experience, I have never encountered a pension fiduciary or board that fully understands the risks, costs, underperformance and performance vagaries related to alternatives and private investments.
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.
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