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Latest Published Articles, Papers, and Research From Across the Web

A Survey of Plan Participants and Plan Sponsors

This report presents the results of an online survey of 1,005 plan participants, between the ages of 25 to 70, employed full-time at a company that has at least 50 employees, and currently contributing to a 401k or 403b plan. It also includes 502 plan sponsors who are employed full-time at a company that has at least 50 employees and offers a 401k or 403b plan.

Source:, February 2021

The Art and Science of Fee Benchmarking

Fee benchmarking can be a great tool for plan sponsors to ensure that their plan fees are fair and reasonable and also help to fulfill a fiduciary responsibility. Since each fee benchmarking platform has a unique process for aggregating and reporting data, plan sponsors should consider how various data sources, pools of data or report customizations may impact the accuracy and reliability of the report.

Source:, February 2021

Capitalize Sees Opening to Serve RIAs With 401k Rollover Services on Heels of DOL Fiduciary Rule

Days after the DOL added new 401k rollover restrictions, Capitalize snared $12.5 million in fresh capital to include an expansion of its market to RIAs. While the rule complicates life for RIAs, it plays right up Capitalize's alley because the firm's purpose is to coordinate with a 401k plan sponsor to process the transfer for free to consumers.

Source:, February 2021

Plan Sponsors Have Fiduciary Duties to Follow During Adviser M&As

Advisory firm merger and acquisition activity is on the rise without any sign of slowing down. But what are plan sponsors to do if their advisory firm is acquired, or if the firm they partner with keeps acquiring others? Plan sponsors should first find out whether and how the services their financial adviser provides will be impacted. They should know the right questions to ask.

Source:, February 2021

Court Again Denies Dismissal of BBVA Lawsuit Alleging 401k Mismanagement

A federal judge has denied BBVA Compass Bancshares' motion to dismiss an ERISA lawsuit accusing it of failing to monitor investments and remove imprudent ones in its 401k plan. This is the second time the court has rejected the firm's motion to dismiss.

Source:, February 2021

American Views on Defined Contribution Plan Saving, 2020

The survey polled respondents about their views on DC retirement account saving and their confidence in 401k and other DC plan accounts. Survey responses indicated that Americans value the discipline and investment opportunity that 401k plans represent and that individuals were largely opposed to changing the tax preferences or investment control in those accounts. A majority of respondents also affirmed a preference for control of their retirement accounts and opposed proposals to require a portion of retirement accounts to be converted into a fair contract promising them income for life from either the government or an insurance company.

Source:, February 2021

Can I Convert a Coronavirus-Related Distribution to a Roth IRA?

Can participants combine the three-year spread for taxes and the ability to repay a Coronavirus-Related Distribution to do a Roth IRA conversion without taking a tax hit all at once?

Source:, February 2021

The ERISA "Best Interest" Debate: Is There Anything Left to Argue About?

As the DOL's Fiduciary Rule 3.0 takes effect, the DOL has suggested that it might in the future "improve this exemption, the rule defining who is an investment advice fiduciary, and related exemptions to build on this approach." The Fifth Circuit Court of Appeals opinion that vacated Rule 2.0 leaves no room to expand the regulatory definition of fiduciary status, however. As to the exemption, when compared to the gold standard for proponents of more ERISA regulation -- the vacated Best Interest Contract Exemption -- there may be nothing left to argue about.

Source:, February 2021

More Articles, Papers, and Research »

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Collected Wisdom™

Our researchers look for what they think are some of the better resources available to assist you in administering your plan or helping your clients. We group these resources in our COLLECTED WISDOM™ topics to make it easy for you to locate the information you need. Each item in a category contains a summary and date of when it was placed in the group.

We also maintain some older material in these collections for perspective and context.

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Tools and Resources

Calculators, charts, samples, directories and other resources to help you run and manage your plan or practice.

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