Our View

Retirement Plan Sponsor Fiduciary Role – What is the Best Fee Benchmarking Method?

Plan sponsors are wondering what to do with the influx of data generated by our new age of regulated fee disclosure. What are the fiduciary responsibilities surrounding this data?

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Next Steps for Employers in 401(k) Fee Disclosure Requirements

Written By Kyle Pifher

Let’s face it; a significant number of Americans are not even close to being ready for retirement. So as employees begin to see the fees they pay for their 401(k), employers may need to do some damage control. Many of our clients are preparing their communication to employees about the 401(k) fees they are paying. Being proactive can help your company enhance the trust of your employees and ensure them the plan’s services and fees are being periodically reviewed.

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Call Centers in the Cloud

Written By Doug Sheffer

With the recession behind us, call center usage is on the rise. During the recession companies looked to cut costs to protect their assets. In looking for cost benefit savings often customer support centers became expendable as they were viewed as more of an expense than an asset. Now with the recession behind us and thanks to continued improvements in technology companies are starting to explore call center solutions once again.

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Retirement Plan Service Providers – When the Cheapest Option May Not Be the Least Expensive

Written By Mike Szyperski

Recent regulations related to fee disclosure have prompted a renewed focus on the amount plan sponsors are paying for services related to their retirement plans. When choosing a service provider, or "shopping around" to determine if their current fees are reasonable, plan sponsors may be tempted to give considerable weight to the cheapest option. Often overlooked, however, are the costs associated with utilizing an inferior service provider such as poor plan design or inaccurate compliance testing.

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Are Recent Rising Interest Rates Impacting Your Retirement Decision?

Written By Todd Strada

In the last few years of the current economic rebound, the Federal Reserve has taken numerous actions to help keep our economy from going back into its 2008 swoon. One such measure, referred to as "quantitative easing", is an unconventional monetary policy used by central banks to increase money supply and stimulate the national economy. With this policy, interest rates have stayed consistently lower than they were prior to 2008.

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I am an INVESTMENT ADVISOR who provides a plan sponsor with a menu of investment alternatives. Am I an investment advice fiduciary?

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I am a PLAN SPONSOR HR TEAM MEMBER and answer questions from plan participants about distribution options. Am I an investment advice fiduciary?

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I am the PLAN SPONSOR – Does the new investment advisory rule mean I should do something?

 

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I am a PLAN SPONSOR HR TEAM MEMBER and I design the materials for new employees about the plan and investment options. Am I an investment advice fiduciary?

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NextGen Health Care Delivery: Exploring Telemedicine and Transparency

Written By Nancy Pokorny

On April 19, 2013, nine employers gathered with Findley Davies to hear from innovative health care companies HealthSpot and Castlight Health to learn how their approaches to telemedicine and cost transparency are changing health care as we know it. What was different about this NextGen Health Care Delivery discussion was the make-up of the audience.

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Unexpected Shocks Leave Retirees Without Adequate Income

Written By Mark Ohnsted

Last winter I was watching my nephew run across the carpet and his response to a static shock he received. There was of course pain and crying as a result of the static charge leaving his body. He immediately ran to his mother with the probable expectation that she would make the pain go away. As my sister tried to explain to a four year old the physics behind static electricity, I chuckled to myself not so much at the possibility that my sister may have thought she had a young Benjamin Franklin sitting on her lap, but that he would repeat this event for the remainder of his life – metaphorically speaking of course.

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