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Three Features of a FIRE-Inspired 401(k) Plan
Financial Independence, Retire Early (FIRE) is a financial movement defined by frugality. A FIRE-inspired 401(k) plan can help any worker retire years sooner.
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SECURE 2.0 – My Top 5 401(k) Related Provisions
SECURE 2.0 makes sweeping 401(k) plan changes. My top five provisions will grow retirement savings the most. Banning hidden fees would help even more.
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Good Luck Escaping a Pooled Employer 401(k) Plan (PEP)
Employers can terminate a single-employer 401(k) at any time, but they can't terminate their portion of a Pooled Employer Plan. That can trap participants.
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SECURE Act 2.0 – Not the 401(k) Reform Americans Deserve
SECURE 2.0 delivers welcome, but incremental, reform. 401(k) plans are not cost-efficient enough today. Here are four things Washington can do to change that.
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Don’t Be Fooled by These 401(k) Conflicts of Interest!
The 401(k) industry is rife with conflicts of interest. Employers have a fiduciary responsibility to protect employees from them. Common ones hide in plain sight.
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401(k) Fiduciary Takeaways from a Jerry Schlichter Interview
Understanding the drivers of 401(k) fiduciary liability can help employers avoid it. The top drivers are well defined in a recent interview with Jerry Schlichter.
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Employee Fiduciary Launches New 401(k) Fee Savings Calculator
Paying low 401(k) fees during your working years can mean dramatically higher savings in retirement. Our 401(k) fee calculator estimates how much higher.
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Proposed 5500 Reform Won’t Help 401(k) Fee Benchmarking
401(k) fees can be impossible for plan fiduciaries and participants to compare apples-to-apples. Proposed Form 5500 changes will do little to help.
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GAO Recommends Much Needed 401(k) Fee Disclosure Reform
The GAO found 40% of plan participants do not understand the 401k fee information mandated by the DOL; recommends welcome fee disclosure reform.
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Could the FTC Save Consumers from Hidden 401(k) Fees?
The Institute for Policy Integrity petitioned the Federal Trade Commission (FTC) to ban “hidden fees in all industries." They should start with hidden 401(k) fees.
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