IRA
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
Trump IRA Access May Be Solving The Wrong Problem
Trump IRA access may be Washington’s latest attempt to solve the wrong retirement problem. Americans already have access to IRAs. They have had it for decades. Banks offer them. Brokerages offer them. Mutual fund companies offer them. Some firms even offer them with no administrative fee and ultra-low-cost index investments. Yet millions of workers still […] Read Full Article
Saver’s Match Fiduciary Risk Is The Next 401k Fiduciary Trap
Once the regulatory gaps are acknowledged, the issue quickly shifts from theory to action. Plan sponsors are not just waiting for guidance. They are being forced to decide whether to engage with the Saver’s Match at all.
How SECURE 3.0 Could Reshape the 401k Fiduciary Regulatory Landscape—and Why That’s a Good Thing
The blend of traditional and modern retirement plan types could evolve further with SECURE 3.0.
Will Extending Tax Cuts Cost Retirement Savers?
Ironically, while some see lowering the savings limit as politically palatable because it impacts only a small segment of the population, that same fact reduces the effect of such a policy shift.
Industry Pros Comment On ERISA Advisory Council Draft Recommendations
Here the intent is to make it possible for a plan/IRA to apply the QDIA safe harbor to involuntary rollovers. But how will this impact plan participants?
Is Proposed Bill Easing 401k Participation Of Workers Under Age 21 Focusing On The Wrong Thing?
Any focus on younger employees in terms of saving for retirement may all be for naught. For these often lower-paid workers, the higher contribution caps for 401k plans may not any practical benefit.
Exclusive Interview: Jerry Schlichter Says 401k Plan Sponsors Should ‘Peel The Onion’ On Fees
“Industry participants also argue that the rule transforms one-off transactions into fiduciary relationships in violation of the common law, but the common law of the states is divided on this, and there is a need for a federal standard regulating investment advice fiduciaries.”
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