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New 401(k) Lifetime Income Disclosures – What to Know
The SECURE Act's lifetime income disclosure should help 401(k) participants understand how much income their account balance could produce in retirement.
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401(k) Distributions - FAQs for Employers
When employers do not follow their 401(k)'s distribution rules, IRS penalties can result. Our distribution guide can help employers avoid these consequences.
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401(k) Plan Design Study: Safe Harbor and Roth Adoption Is Up
Proper 401(k) plan design can help a small business meet its plan goals at the lowest possible cost. Our study summarizes the designs of 4,330 401(k) plans.
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Good Luck Escaping a Pooled Employer 401(k) Plan (PEP)
Employers can terminate a single-employer 401(k) at any time, but they can't terminate their portion of a Pooled Employer Plan. That can trap participants.
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SECURE Act 2.0 – Not the 401(k) Reform Americans Deserve
SECURE 2.0 delivers welcome, but incremental, reform. 401(k) plans are not cost-efficient enough today. Here are four things Washington can do to change that.
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Don’t Be Fooled by These 401(k) Conflicts of Interest!
The 401(k) industry is rife with conflicts of interest. Employers have a fiduciary responsibility to protect employees from them. Common ones hide in plain sight.
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The Ultimate Guide to Safe Harbor 401(k) Plans
Safe harbor 401(k) plans are popular with small businesses that struggle to pass IRS-mandated nondiscrimination testing. Our guide answers common questions.
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Five Reasons Why Hidden 401(k) Fees Should be Illegal
Hidden 401(k) fees should be illegal. They can make it almost impossible for employers to protect the interests of plan participants and avoid fiduciary liability.
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401(k) Fiduciary Takeaways from a Jerry Schlichter Interview
Understanding the drivers of 401(k) fiduciary liability can help employers avoid it. The top drivers are well defined in a recent interview with Jerry Schlichter.
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Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality
Pooled Employer Plans (PEPs) can seem attractive at first blush. Ironically, their purported benefits can, in fact, harm 401(k) plan participants and fiduciaries.
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