Due Diligence
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.
How Fiduciaries Implement 401k Risk Capacity
The key is embedding quantitative prompts inside onboarding experiences so participants perceive personalization while fiduciaries collect the data they actually need.
Should The 401k Fiduciary Use Risk Tolerance or Risk Capacity?
Risk capacity anchors 401k advice in hard data—income stability, net worth, liquidity, and retirement timeline. Unlike tolerance, which shifts with market moods, capacity reflects what participants can afford to lose, aligning with ERISA’s fiduciary duties.
Evaluating Stable Value Funds Amid Liquidity Scrutiny in 401k Plans
For fiduciaries, the comparison process must go deeper than surface-level performance. Yield is important, but transparency, diversification, and liquidity provisions matter just as much.
Fiduciary Due Diligence for Private Equity in 401k Plans
Documenting the evaluation process helps protect against potential legal challenges. By proactively managing these red flags, fiduciaries can responsibly integrate private equity into 401k plans and reduce ERISA compliance concerns.
What A 401k Fiduciary Needs to Know About The DOL’s Rescission of 2022 Crypto Guidance
Applying these duties to volatile cryptocurrencies requires careful thought and documentation. How, then, is the industry interpreting this “neutral stance” from the DOL?
Mastering 401k AI Personalization Pitfalls Wisely
Before widespread use, 401k AI personalization needs careful management of fairness, transparency, and fiduciary duty. And when you read “plan sponsors must,” you’re really reading “plan sponsors’ service providers must.”
401k Fiduciary Risk Trouble is Risky Business
Here’s where the real disconnect kicks in: participants and pros don’t speak the same language on risk. Participants “feel” it. Meanwhile, advisers whip out rulers like standard deviation or some index, measuring volatility in neat little boxes.
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