Pooled employer plans (PEPs) have earned their reputation as a practical solution for smaller employers. But as adoption grows, larger, more sophisticated retirement plan sponsors have started wondering whether a PEP might work for them, too.
The murky waters of health care cost transparency: What plan sponsors can control
In a regulatory environment increasingly focused on transparency and accountability, what does it really mean to be a prudent fiduciary in a health and welfare context?
How HR leaders can turn pharmacy transparency into real leverage
In Part 2 of this series, we explore where employers have more leverage in pharmacy benefits than they realize—and how to apply it deliberately in the best interest of plan participants.
Why pharmacy transparency is becoming a C-suite issue
In Part 1 of a two-part series, we examine why pharmacy transparency has become a C-suite issue—and what it means for fiduciary oversight.
Voluntary benefits are becoming the next ERISA fee battlefield
A new wave of ERISA litigation is calling attention to voluntary benefits—an area many employers have long viewed as low-risk. In this piece, Andy Clonts explains why voluntary programs are drawing scrutiny, how compensation structures and loss ratios can create fiduciary exposure, and why plan sponsors should revisit the governance and financial mechanics behind these offerings before regulators or plaintiffs do.
Is your benefits committee up to par? Here’s how to be sure
To defend themselves against ERISA violations, plan sponsors need to understand their fiduciary obligations. As the parties generally responsible for plan oversight, benefits committees play a central role in minimizing compliance risk.
How to help 401(k) plan sponsors avoid excessive fee lawsuits
To avoid class-action settlements and regulatory penalties that can cost millions, plan sponsors must ensure 401(k) fees are cost-conscious for participants. Here are best practices to consider.
Governance basics every plan sponsor should know
How do plan sponsors operate and administer employee benefit plans in a manner that is both effective and compliant with applicable regulatory and fiduciary obligations?
6 things your pension administrator may not be doing
Are you getting the most from your defined benefit pension plan outsourcer? Here are six things to check the next time you look under the hood of your relationship.
Preventive maintenance is key to retirement plan health
Periodic checkups can keep plans running smoothly and help plan sponsors identify issues early, before those become difficult and expensive to correct. Such audits come in two varieties—transactional audits and operational audits.
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