As the pace of change in the 401(k) industry accelerates—driven by artificial intelligence and the growing convergence of wealth and retirement—pressure is mounting across the entire ecosystem.  Advisors, recordkeepers, and TPAs are all being forced to redefine their roles as technology reshapes processes, relationships, and value proposit...

As remote and distributed work continues to expand, organizations face increasing challenges in communicating across a workforce that is no longer centralized.  With employees spread across multiple job sites, varying schedules, and different states, traditional, one-size-fits-all communication methods fall short.  Flexibility is esse...

Collective investment trusts have been around for decades, but for many plan sponsors, they still seem mysterious—or at least more complicated than they need to be.  That’s unfortunate, because when used appropriately, CITs can be a powerful tool for improving participant outcomes without increasing fiduciary risk.

That’s according to a

As 401(k) plans grow and add participants, fees are often left unchanged for years—despite ongoing fee compression across the industry driven by increased competition and lower-cost investment options.  This disconnect can result in plans paying more than necessary for the same, or even dimini...

401(k) fees are continuing to fall—and that’s a good thing.  Increased competition, better pricing structures, and the rise of low-cost investment options are all helping drive costs down for plan sponsors and participants alike.

But focusing only on fees can be misleading.