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.
Ask an Adviser: Can terminating a defined benefit plan be more seamless?
Learn how to best position a frozen DB plan for termination.
You’ve frozen your pension — now what? 6 steps in terminating a plan
Each phase of pension plan termination involves numerous decision points and incredible amounts of data-crunching.
Here’s how to create a SECURE Act plan of action
Given the SECURE Act’s broad scope and nuanced provisions, how should plan sponsors prioritize their responsibilities under the new law? Here’s a systematic approach for developing a SECURE Act plan of action.




