Articles on Common Issues

Improving Retirement Outcomes

Improving Retirement Outcomes

Most of the recommendations for improving outcomes revolve around Auto Enroll, Auto Increases, and offering more employer contributions. Here at 401kActiveWatch, although we feel the aforementioned are viable recommendations; they really do not address the root cause of…

Mitigating Fiduciary Exposure

Mitigating Fiduciary Exposure

Anyone having discretionary authority with respect to your 401k Plan is considered a Fiduciary under ERISA; including members of an investment committee. As a Fiduciary you must act as a prudent expert solely in the best interests of Plan Participants.

Verifying Plan Expenses Are Reasonable

Verifying Plan Expenses Are Reasonable

During the past 3 years, 401k Plans have become more fee transparent. 401k Service Providers and Advisors are now benchmarking their fees to prove that their fees are reasonable for the services rendered. The issue of 401k fees being fair and reasonable is resolved now …. or is it?

Improving Retirement Readiness

Improving Retirement Readiness

Today, more than ever, Employers are faced with the costs of employees postponing retirement. Some employees have valid reasons for delaying retirement; however, there are a number of employees who do so simply because…

Re-evaluating Your Plan Design

Re-evaluating Your Plan Design

Typically 401k Plans, receive Plan Design consultations only when they change providers. Additionally, the backgrounds of most Plan Advisors are investment related. Therefore they lack specific Plan Design…