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Tag "DOL"
Ongoing forfeiture lawsuits involving major plans are reshaping how courts evaluate fiduciary oversight. Sponsors who rely on routine processes may discover that governance gaps create legal exposure for committees and financial harm for participants.
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.
If you’ve ever lost an hour chasing a quote you couldn’t comfortably reference—or hesitated to send a summary because it didn’t feel “file-worthy”—the FiduciaryNews.com Reference Librarian solves that.
Plan sponsors are more likely to stay with—and recommend—a provider that demonstrates a clear commitment to safeguarding accounts against evolving threats.
But good habits alone aren’t enough. As cyber threats evolve, fiduciaries must look ahead—promoting cutting-edge tools that can outpace tomorrow’s attackers.
The moments immediately following the detection of a cyber incident are crucial. Prompt containment limits damage, prevents data loss, and fortifies plan stability. A rapid protocol turns confusion into control, helping fiduciaries avoid ERISA liability and maintain operational stability.
Breaches hit fast. Fiduciaries must be ready to act. A documented incident response plan—including who to notify, how to contain the breach, and when to report it—is vital for 401k cyber protection. It demonstrates prudence and minimizes chaos.
Fiduciaries can no longer afford to treat cybersecurity as an IT department concern alone. In a world where digital breaches can wipe out savings, destroy trust, and invite costly lawsuits, cybersecurity has become inseparable from prudent plan management—and at least an implied fiduciary duty under ERISA.
5 Underreported 401k Stories From The Summer Of 2025
Not all impactful changes come from courtrooms or market forecasts. Sometimes the quietest adjustments happen in the administrative framework of retirement plans. This summer, two such moves stood out as underreported 401k stories that carry both promise and peril for fiduciaries.