News
Three Common 401(k) Audit Mistakes and Why Good Intentions Aren't Enough
4+ hour, 13+ min ago (510+ words) Fred Barstein is the Founder & Editor-in-Chief of 401k TV. Fred is also the Founder and CEO of The Retirement Advisor University (TRAU), a collaboration with UCLA Anderson School of Management Executive Education and The Plan Sponsor University (TPSU). Mr. Barstein was…...
Why Health Savings Accounts Are Becoming Essential to Retirement Planning
6+ day, 18+ hour ago (547+ words) Healthcare is one of the largest'and most overlooked'expenses in retirement, making Health Savings Accounts (HSAs) an increasingly critical tool in long-term financial planning." With unique tax advantages and the ability to bridge health and wealth strategies, HSAs are becoming a…...
401(k) Fees Fall, But Gaps and Questions Remain
1+ week, 4+ hour ago (344+ words) Fred Barstein is the Founder & Editor-in-Chief of 401k TV. Fred is also the Founder and CEO of The Retirement Advisor University (TRAU), a collaboration with UCLA Anderson School of Management Executive Education and The Plan Sponsor University (TPSU). Mr. Barstein was…...
Fee Compression Continues, Small Plans Still Pay More
1+ week, 4+ hour ago (260+ words) Investment fees are still falling across all plan sizes, but smaller plans continue to pay significantly more than their larger counterparts'and cost variation across providers remains substantial. But scale still matters." A $5 million plan averages 1. 04% in total plan costs and…...
Health and Wealth Benefits Shouldn't Be Communicated Separately
2+ week, 4+ hour ago (419+ words) Health impacts finances." Finances impact health." It's not a new insight, but a recent white paper from Milliman, a global actuarial and consulting firm, argues that most benefits communication still treats health and wealth as separate silos'and that's a missed…...
The 10 Mistakes Plan Sponsors Are Still Making
2+ week, 4+ hour ago (324+ words) Defined contribution plans have evolved significantly, but one persistent challenge remains: many plan sponsors are still not fully equipped to manage their responsibilities." Despite overseeing critical retirement benefits, fiduciaries often receive little formal training and are left to learn on…...
Why Employers Are Overlooking Student Loan Benefits (And Why It Matters)
2+ week, 4+ hour ago (334+ words) Not every employee experiences student debt in the same way." A recent graduate navigating repayment options faces a very different reality than a mid-career professional trying to balance loans with saving for retirement." Yet many employers still underestimate how widespread…...
Why the 401(k) Industry Must Adapt to Phased Retirement
2+ week, 6+ day ago (181+ words) Defined contribution plans have evolved, but the industry still isn't fully aligned with how today's workforce approaches retirement." As employees live longer and seek more flexibility, demand for phased retirement is growing'allowing workers to gradually transition instead of stopping abruptly....
Balancing Fiduciary Responsibility & Employee Support in 401(k) Plans
2+ week, 6+ day ago (688+ words) For many HR professionals, balancing employee support with fiduciary responsibility can feel like a constant tension. Chris, an HR Director for a growing company of more than 100 employees, shared that concern during a recent TPSU program in Columbus, Ohio." As…...
Six Questions Employers Often Ask Before Making Retirement Plan Changes
3+ week, 4+ hour ago (299+ words) When employers start thinking about updating their retirement plan, the conversation often begins the same way: a mix of curiosity, uncertainty, and a genuine desire to get it right for their people and their business. A recent post from Pat…...