Michelle Capezza
Why Email Open Rates Fail to Measure True 401k Participant Engagement
The same challenge appears in required participant disclosures. Compliance may require sending documents, but sending documents does not guarantee that participants receive useful information.
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
Decumulation Strategies Create New Fiduciary Questions For 401k Plan Sponsors
The reality is that many retirement planning decisions already require participants to evaluate concepts they may not fully understand. That reality raises an important question. Should a plan exclude a potentially beneficial option simply because some participants may find it difficult to understand?
Advisor Shortage Risk Creates New Challenges For 401k Plan Sponsors
Who will attend meetings? Who will prepare reports? Who will respond to participant questions? Who will provide investment recommendations? Who ultimately bears fiduciary responsibility?
Will Cybersecurity Enforcement Change What Fiduciaries Must Protect?
That does not necessarily mean fiduciaries should expect a wave of new regulations. Existing direction may already point fiduciaries toward the safeguards regulators expect them to implement.
What The Dot-Com Crash Still Teaches 401k Fiduciaries About The AI Stock Craze
ERISA does not require fiduciaries to predict market tops. It does, however, require a prudent process for selecting and monitoring investments.
Why Companies Aren’t Using The 401k Start-Up Tax Credit
When too many moving parts are introduced at once, decisions slow down. Employers may delay action while trying to understand their options, or they may default to inaction when the path forward is not clear.
Potential Payroll Errors In Roth Catch Up Mandate Expose Fiduciaries To Hidden Risk
Roth catch up mandate failures are already happening. They are not isolated. They are not rare. And they are not being caught as quickly as fiduciaries might expect. These breakdowns are occurring inside payroll systems that appear to be working. They are flowing through recordkeeping platforms that continue to process contributions without interruption. On the […] Read Full Article
Community Links
Tags
Disclaimer
The materials at this web site are maintained for the sole purpose of providing general information about fiduciary law, tax accounting and investments and do not under any circumstances constitute legal, accounting or investment advice. You should not act or refrain from acting based on these materials without first obtaining the advice of an appropriate professional. Please carefully read the terms and conditions for using this site. This website contains links to third-party websites. We are not responsible for, and make no representations or endorsements with respect to, third-party websites, or with respect to any information, products or services that may be provided by or through such websites.