Lawrence Starr
When Participant Preferences Collide With Fiduciary Judgment
What participants want may be relevant to the employer’s decision, but that does not necessarily invoke ERISA’s exclusive-purpose requirement.
What The $955 Retirement Savings Headline Gets Wrong (And Why Fiduciaries Should Care)
The $955 retirement savings headline sparked national alarm, but fiduciaries must look beyond shock value to understand what the data truly reveals and how to respond.
Top 401k Stories of Summer 2025: Crypto, Private Equity, Trump IRAs
Such hesitation shifts the spotlight back to fiduciary fundamentals. New rules may widen the menu, but ERISA doesn’t relax the obligation to fully understand and monitor what’s offered.
Dr. Fear Factor: How 401k Fiduciaries Can Teach Participants To Stop Worrying And Love Volatility
Advisors do more than plot portfolios. They calm nerves, making them frontline warriors against volatility panic, turning “what if” into “we’ve got this.”
Beyond Target Date Funds: How Tailored 401k Plan Design Strategies Keep Near-Retirees On The Right Path
For ERISA fiduciaries, the challenge is clear: move beyond the default, and design a 401k plan that truly serves the diverse needs of its participants. In doing so, you not only safeguard retirement incomes but also reinforce the trust placed in you by those relying on your expertise.
Is The DOL’s New Lost And Found Database Worth It Or Just A New 401k Plan Sponsor Chore?
The fact Social Security was already collecting this information, albeit not in a database, raises the question of whether this new lost and found database will add any real value.
Impending SECURE Act 2.0 Auto-enrollment Requirement Prompts These Questions
Making matters worse is the changing regulatory environment once the new SECURE Act 2.0 rules become effective. The good news is the dust settles after that.
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.
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