retirement
Is Your 401k Auto-Enrollment Success Story Incomplete?
The idea of 401k auto-enrollment may be one of the greatest innovations in retirement plan history—or one of its greatest illusions. Few plan design features have done more to increase participation. Yet participation and retirement readiness are not synonymous, and confusing the two may create what can only be described as the Auto-Enrollment Paradox. The […] Read Full Article
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
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.
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?
Is the ‘Netflix Effect’ Quietly Killing 401k Retirement Readiness?
The Netflix Effect 401k retirement readiness problem may not come from bad markets, but from quiet disengagement. As automation pushes retirement saving into the background, readiness risks can grow unnoticed.
What Happens When Everyone Starts Caring About Their 401k?
The long bull market has masked serious risk in target-date funds near retirement. When the next correction hits, participants who thought they were “protected” will wake up—angry—and demand change.
Why Doesn’t Anyone Care About Their 401k Anymore?
When participants assume alignment without verification, problems remain hidden until they are too large to ignore. Misalignment doesn’t announce itself—it compounds quietly, year after year.
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