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Is a Bad 401k Plan Better Than No 401k Plan at All?
Is a bad 401k plan better than no 401k plan? Small employers often escape scrutiny—leaving workers with costly, subpar retirement options.
Lack of Consequences for Small Employers with Poor 401k Plans
In many small employer 401k plans, those pressures combine with poor vendor selection, weak oversight, and minimal participant education to create environments where employees pay more and get less.
Does The Past Provide a Blueprint for 401k Decumulation Defaults?
401k decumulation defaults are coming. Does the past provide a blueprint—or just warnings? Explore one possible future.
Helicopter Plan Sponsor And The Rise Of Auto 401k Decumulation Defaults
That sense of distinctiveness opens the door to a deeper look at how automation has evolved in accumulation and how far that logic can be pushed into decumulation. AskFiduciaryNews.com approached the question by surveying patterns across FiduciaryNews.com coverage.
Is 401k Paternalism Going Too Far with Embedded Income?
401k paternalism via embedded lifetime income closes savings gaps—but risks opacity and mismatched defaults. Is it help or overreach?
401k And The Expansion of Corporate Paternalism
The broader plan-design conversation, including “Beyond Auto-Mania,” shows a shift from simple auto-features to guided, retirement-readiness approaches. That trajectory supports treating embedded income as part of a holistic, user-friendly design rather than a fringe option.
Are 3(38) and 3(21) Truly Protecting Your 401k Plan?
3(38) 3(21) fiduciary models promise relief—yet proprietary ties and fine print threaten independence. Which truly protects participants?
The Fiduciary Dilemma That Refuses to Die: The Conflicted Merit of 3(38) and 3(21)
Seasoned advisors caution plan sponsors not to confuse delegation with disappearance. Every fiduciary duty can be shared. None can be erased.
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