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Daily Digest
A daily must read. Latest on 401k trends, opinion, rule changes, insights, surveys, studies and more. Click Here to Read
Insight
What is the End Game With Target-Date Funds; Retirement or Death?: - An article recently published in a retirement plan industry journal addressed criticisms of the construction of Target-Date Retirement portfolios that are based on a "through" retirement approach. The term "through" retirement implies that the glide-path, the formula by which the portfolio's asset allocation rebalances over time, carries through retirement to death. This strategy is contrasted by the "to" retirement approach, in which the glide-path is designed to end, or become static, at retirement, as opposed to death. Which is right, retirement or death?
Unscrambling Fiduciary Confusion: In seeking clarity about the "type" of 401k professional it has retained, plan sponsors often find the answers they are given to be incoherent with a slant in favor of the 401k industry instead of plan participants. The residual fuzziness plan sponsors are left feeling about this topic is a source of significant irritation to them. This article attempts to unscrambling the fuzziness.
Thoughts on Properly Delegating Fiduciary Duties: Recognizing the high anxiety of today's ERISA fiduciaries, some plan service providers are offering to "share the fiduciary load" by stating in their service agreements that they are co-fiduciaries. But what does that really mean? This article explains that co-fiduciary status is, at best, a half measure.
Uncovering and Understanding Hidden Fees in Qualified Retirement Plans: In the United States, the level of concern over 401k fees is steadily increasing. However, very few employers understand the nature and scope of the retirement plan industry's business model. Not even the Federal Government fully grasps the issue. Understanding how hidden fees came about, and recognizing the specific types and amounts of such fees, will help employers make better decisions regarding 401k services.
Selecting and Monitoring Pension Consultants - Tips for Plan Fiduciaries: The U.S. Department of Labor and the Securities and Exchange Commission have published a guide to help pension plan fiduciaries assess third party pension consultants, specifically, regarding potential conflicts of interest.
Topics and Collected Wisdom™
Our researchers look for what they think are some of the better resources available to assist you in administering your plan. We group these resources in our COLLECTED WISDOM™ topics to make it easy for you to locate the information you need. Below is a current list. Just click on an item for a full listing of available resources for that topic.
Collected Wisdom™
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