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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.
▪ Exclusive Interview: Ed Siedle’s Whistleblowing Lessons
▪ Retirement Plan Success Is Measured Wrong. How Can Plan Sponsors Fix That?
▪ What Advice Would The Founding Fathers Give On Saving For Retirement?
▪ Decumulation Strategies Create New Fiduciary Questions For 401k Plan Sponsors
▪ Advisor Shortage Risk Creates New Challenges For 401k Plan Sponsors
Professional Members Only
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How Should 401k Plan Sponsors Measure Retirement Plan Success?
How should 401k plan sponsors measure retirement plan success? High participation rates can hide poor participant outcomes. This week’s Thoughtleader Roundtable examines why traditional metrics may be misleading and what better measures fiduciaries should adopt.
▪ What If The Founding Fathers Were 401k Plan Sponsors?
▪ Must 401k Plan Sponsors Must Tackle Decumulation?
▪ With Impending Adviser Shortage Doom 401k Plan Sponsors?
▪ Is 401k Data The Plan Sponsor’s Greatest Liability?
▪ Can This AI-Twist Help 401k Participants Invest Better?
Compliance
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Will Cybersecurity Enforcement Change What Fiduciaries Must Protect?
That does not necessarily mean fiduciaries should expect a wave of new regulations. Existing direction may already point fiduciaries toward the safeguards regulators expect them to implement.
▪ Potential Payroll Errors In Roth Catch Up Mandate Expose Fiduciaries To Hidden Risk
▪ If Participants Don’t Understand It, Should It Be In Your 401k Plan?
▪ Saver’s Match Fiduciary Risk Is The Next 401k Fiduciary Trap
▪ 401k Fiduciary Rule Limbo Exposes Plan Sponsor Risk
▪ Forfeiture Lawsuits Raise New Governance Risks for 401k Plan Sponsors
Preferred Members Only
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Are You Avoiding 401k AI Fiduciary Traps?
401k AI fiduciary traps could spark ERISA violations. Discover how plan sponsors can navigate compliance risks with transparency.
▪ FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Weeks Ending 3/29/24
▪ FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Weeks Ending 3/22/24
▪ FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Weeks Ending 3/15/24
▪ FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Weeks Ending 3/8/24
▪ FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Weeks Ending 3/1/24
Education
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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?
▪ Advisor Shortage Risk Creates New Challenges For 401k Plan Sponsors
▪ Trump IRA Access May Be Solving The Wrong Problem
▪ Why Companies Aren’t Using The 401k Start-Up Tax Credit
▪ Is the ‘Netflix Effect’ Quietly Killing 401k Retirement Readiness?
Interviews
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Exclusive Interview: Ed Siedle’s Whistleblowing Lessons
In my decades of experience, I have never encountered a pension fiduciary or board that fully understands the risks, costs, underperformance and performance vagaries related to alternatives and private investments.
▪ Exclusive Interview: Lyle Himebaugh on Using AI to Help 401k Participants Make Better Investment Decisions
▪ Exclusive Interview: Maury McCoy And Cryptocurrency Basics
▪ Exclusive Interview: Pam Krueger Explains “Advice Gaps” and Food Trucks To 401k Plan Sponsors
▪ Exclusive Interview: Marcia Wagner Expands On Retirement Plan Financial Planning White Paper
▪ Exclusive Interview: Bob Veres Explores Fiduciary In New Ways
Due Diligence
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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?
▪ What The Dot-Com Crash Still Teaches 401k Fiduciaries About The AI Stock Craze
▪ Is 401k 3(38) Delegation A Real Risk Transfer Or A Fiduciary Illusion?
▪ 401k Designated Investment Alternatives Demand Fiduciary Discipline
▪ Meaningful Benchmark Fight Reaches Supreme Court as Private Equity Push Expands 401k Risk
▪ When Index Construction Becomes a 401k Fiduciary Risk
Conflicts of Interest
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Supreme Court Scrutiny Reshapes 401k Fee Litigation
With Supreme Court scrutiny looming, comparator standards could either narrow or widen 401k fee litigation. Plan for both outcomes now.
▪ 401k AI Fee Benchmarking Saves Plan Sponsors
▪ The Fiduciary Futility Of 401k Fees
▪ A 401k Plan Sponsor Fiduciary Puzzle: Are Low Fees High Risk?
▪ Hughes v. Northwestern, Anyone? Why Don’t TSP Participants Deserve ERISA Fiduciary Protections?
▪ If You Meet Your Objectives, Does It Make Sense To Worry About Fees?
Opinion
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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.
▪ What The $955 Retirement Savings Headline Gets Wrong (And Why Fiduciaries Should Care)
▪ Why Doesn’t Anyone Care About Their 401k Anymore?
▪ 401k New Year Opportunities
▪ 401k Christmas Wish List
▪ Top 401k Stories of Summer 2025: Crypto, Private Equity, Trump IRAs
MEP/PEP
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Why Are 401k PEPs Growing At A Slower Than Expected Rate?
There’s a fear that those rushing to promote their own PEPs are merely trying to return to the bundle service provider environment the industry evolved away from more than a decade ago. This makes due diligence all the more important.
