plan sponsor
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.
What Advice Would The Founding Fathers Give On Saving For Retirement?
The retirement system itself has undergone a revolution. The Congress that oversees retirement policy today would have been unrecognizable to the men who signed the Declaration of Independence. ERISA, enacted in 1974, created a comprehensive fiduciary framework that would have been unimaginable to Franklin, Washington, Jefferson, or Hamilton.
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.
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
Forfeiture Lawsuits Raise New Governance Risks for 401k Plan Sponsors
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.
Top Governance Pitfalls Plan Sponsors Must Avoid in 2026 Amid Record ERISA Lawsuits
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.
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