Fiduciary News
For the ERISA Professional
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Latest posts
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Exclusive Interview: Five AI Platforms Agree On 401k Fiduciary Responsibility But Can You Trust Them?
What happens when five leading AI platforms are asked the same question about ERISA fiduciary duties? Their answers reveal broad agreement on accountability, meaningful differences in compliance recommendations, and a fundamental problem with relying on artificial intelligence…
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Can Auto-Enrollment Success Lead To Retirement Savings Failure?
An investment designed to protect a small account from immediate losses may become an obstacle to long-term growth. As months turn into years, inflation, account fees, and the opportunity cost of foregone investment returns can gradually undermine the retirement security that…
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Is Adding A Trump Account Option The Next Big Cafeteria Plan Benefit?
Being free to make the decision doesn’t eliminate the responsibility to implement it correctly. A benefit that appears simple when presented to employees may require considerable coordination behind the scenes, particularly when contributions must move from payroll systems to…
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What Happens When The Last 401k Plan Fiduciary Disappears?
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Does Retirement Plan Proxy Voting Choice Change Who Owns The Vote?
Making a feature visible, however, does not necessarily make it a controlling investment criterion. A fiduciary may have reason to understand how participant-directed or sponsor-directed voting works without allowing the presence or absence of the feature to overwhelm the…
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What If We’re Thinking About 401k Loans The Wrong Way?
That repayment obligation is what makes the argument interesting: if the participant now owes principal and interest to the retirement account, the account may have exchanged one kind of asset for something economically different. The post What If We’re Thinking About 401k Loans…
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When Participant Preferences Collide With Fiduciary Judgment
What participants want may be relevant to the employer’s decision, but that does not necessarily invoke ERISA’s exclusive-purpose requirement. The post When Participant Preferences Collide With Fiduciary Judgment appeared first on Fiduciary News .
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When Retirement Plan Leakage Never Leaves the System
That is the other side of the leakage equation. Keeping assets inside a plan may preserve an investment structure that benefits the former employee, but doing so can transfer costs, obligations and risks back to the employer. The post When Retirement Plan Leakage Never Leaves…
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How Plan Sponsors Can Close the Recordkeeper Oversight Gap (Before It Gets Wider)
Plan sponsors therefore have reason to distinguish participant education and assistance from commercial opportunity. The harder those activities are for participants to separate, the more important it becomes for fiduciaries to understand where one ends and the other begins. The…
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Switching Costs Can Quietly Shift Power Away From Plan Sponsors
None of those tasks necessarily prevents a plan sponsor from making a change, but collectively they can make the decision considerably more complicated than comparing price and service. The post Switching Costs Can Quietly Shift Power Away From Plan Sponsors appeared first on…
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How Recordkeepers Became 401k Gatekeepers
As bundled platforms spread, the recordkeeper’s technology became the environment in which the plan lived. The platform did not merely keep records of decisions made elsewhere; it increasingly determined how those decisions could be implemented and presented. The post How…