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Trump Accounts: A Plain-Language Guide for Employers and the Questions Your Employees Will Ask
Trump Accounts opened July 4, 2026, and employee questions are already reaching HR. Here is what these new child accounts are, where the idea came from, and why they matter to anyone who sponsors a retirement plan.
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How Often Should You Review Your 401(k) Lineup?
A 401(k) investment lineup works best on two cadences: a quarterly check that your funds still meet your criteria, and a deeper annual review of whether those criteria still make sense.
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Washington Saves or a 401(k)? A Washington Employer's 2027 Guide
Washington's retirement mandate starts July 1, 2027. Here's how the state auto-IRA compares to a 401(k), and how to choose.
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What Happens If a Retirement Plan Committee Doesn’t Meet or Document Decisions?
If a retirement plan committee does not meet regularly or document its decisions, it can be difficult to prove that fiduciary oversight actually occurred during a Department of Labor inquiry or audit.
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What Should a 401(k) Committee Review Each Quarter?
Most 401(k) committees meet every quarter and assume that's enough. The strongest committees review the same four things each time: investments, service providers, compliance, and follow-through.
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What Are the Real Risks of Self-Funding a Health Plan?
Self-funding can reduce health plan costs, but it also shifts claims risk, stop-loss considerations, administrative oversight, and compliance responsibilities directly to the employer
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Can Plan Sponsors Be Held Personally Responsible for 401(k) Plan Mistakes?
Personal fiduciary liability is one of the least understood parts of serving on a retirement plan committee, and one of the most important.
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What Does an Investment Advisor Actually Do for a Retirement Plan Beyond Picking Funds?
Fund selection gets the attention, but ongoing oversight, monitoring, and fiduciary support are often where an investment advisor provides the most value.
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What is the Real Difference Between Plan Administration and Plan Governance?
Understanding the difference between administration and governance is essential to reducing fiduciary risk and maintaining effective oversight.
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When Is Delegating Fiduciary Responsibility the Right Move for a Committee?
As retirement plan responsibilities become more complex, many committees evaluate whether delegation could improve oversight and governance.
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Should Your Retirement Plan Use a 3(21) or 3(38) Investment Fiduciary?
Understanding how 3(21) and 3(38) fiduciary arrangements differ can help committees align their governance structure with their desired level of investment oversight.
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5 Benefit Administration Gaps that Create HR Problems, and How to Fix Them
Many of the most costly benefits administration problems begin as small gaps between HR, payroll, and carrier records that go unnoticed until an employee issue arises.
