ERISA
The 401k’s Past Is Not Its Future
The story arc of the 401k mimics that of software. Each release adds to and builds on features and benefits over and above those of previous releases.
Should 401k Loans Be Allowed, Encouraged, Or Forbidden? A Fiduciary Perspective
Before you get all excited and look to replace your home equity loan with a 401k loan, you should consider these things.
Top Issues (And Their Solutions) 401k Plan Sponsors Have With Recordkeepers
Nobody’s perfect. It’s unfair to expect recordkeepers to be. Everyone makes mistakes—even recordkeepers. The problem is what happens when a mistake occurs.
What Are 401k Plan Sponsors Talking About Right Now?
Just as these changes come bearing down, so, too, does a need for greater hand holding. Pressures within the provider industry, however, appear to be reducing the number of available hands.
5 Key Due Diligence Differences Between Analyzing CIT Risks And Analyzing Mutual Fund Risks Every 401k Fiduciary Must Know
Today, in reading some of the headlines, you’d think they’re greater than sliced bread. They may be. They may not be. Still, there are differences, and 401k plans sponsors would benefit from practicing the utmost in due diligence when determining if CITs are the right fit for their plan.
Fiduciary Challenges For Merging 401k Plans
If you’re a fiduciary of the acquiring plan, you want to make sure you’re not burdened with any unknown liabilities. If you’re a fiduciary of the acquired plan, you want to make sure the merger process doesn’t introduce new liabilities.
After Supreme Court Ruling, Are TDFs A Ticking Time Bomb Of Fiduciary Liability?
The conflicts-of-interest inherent in selecting proprietary funds are apparent. Less so are the criteria used to determine what a suitable process might be.
401k Fiduciary Can Of Worms: Managed, Self-Directed, And TDFs! Oh, My!
But that idea contained a flaw. In the early years, limited choices made it easy for employees. The proliferation of the number of options in later years, however, exposed the lack of sophistication within the employee cohort. That can lead to bad decision-making. Alternative solutions were needed.
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