Marcia Wagner
Five Fast & Fabulous 401k Fixes
Well, if we’re thinking outside the box, why not go big? It turns out, retirement planning isn’t just about accumulating sources of future funds.
A 401k Plan Sponsor Fiduciary Puzzle: Are Low Fees High Risk?
You cannot understate the fiduciary aspect of lower fees. Most 401k plan sponsors, and especially those in smaller plans, don’t have the time or expertise to administer their company’s retirement plan. If they skimp on fees, are they also skimping on the fiduciary protection those professionals are supposed to provide?
Are TDFs A Ticking Time Bomb For The 401k Fiduciary?
There might be a there, there. It could be that TDFs have an Achilles’ Heel that leaves them vulnerable.
After Supreme Court Ruling, Are TDFs A Ticking Time Bomb Of Fiduciary Liability?
The conflicts-of-interest inherent in selecting proprietary funds are apparent. Less so are the criteria used to determine what a suitable process might be.
Fiduciary Fear And Loathing In The World Of ERISA
Thoughtleaders with the veteran experience to sift through the noise and separate the wheat of solid trends from the chaff of tiresome fads. Accurately discerning between the two can mean the difference between long-term sustainability and irretrievably sunk costs.
What is the Primary Purpose of a 401k IPS?
Unlike a generic vendor agreement, the IPS is a formal plan policy document that defines the parameters between the plan and relevant vendors. This is why it can also be a terrible trap.
Should a Plan Sponsor Adopt a 401k Investment Policy Statement?
Whether a plan sponsor decides to adopt a 401k IPS remains an open question. It’s not a question that should be treated casually. Every plan situation is different. Plan sponsors therefore must conduct a thorough due diligence to determine what’s best for their plan.
What is a 401k Investment Policy Statement (IPS)?
Although we’ve seen a broader acceptance of using an IPS, their use is by no means universal and particularly lacking among smaller employers. Perhaps there’s a realization that, if you don’t get the IPS right, you’ll only increase your liability.
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