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How Often Should a Plan Sponsor Benchmark 401(k) Fees?
What the law actually asks of your committee on fee benchmarking, where the three-to-five-year figure everyone repeats came from, and how to set a cadence you can defend.
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What Should an Employee Financial Education Program Include?
A financial education program comes down to four things a committee decides: what you teach, how you teach it, who does the teaching, and which participant numbers you check before and after.
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What Events Should Trigger a 401(k) Service Provider Review?
Some things shouldn't wait for the next scheduled provider review. Here are the six events, and what to do when one shows up.
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What Separates the Best 401(k) Plans From the Rest?
What separates the best 401(k) plans from the rest comes down to three decisions a sponsor controls: automatic plan design, costs someone actually checked, and money that stays in the plan.
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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 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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What Happens Behind the Scenes of a Well-Run Retirement Plan
A well-run retirement plan depends less on appearances and more on clear fiduciary oversight, defined responsibilities, and documented follow-through behind the scenes.
