Articles & Commentary

Stay current with quick reads on retirement plan insights, market shifts, and emerging fiduciary trends and commentary — all in one place.

Safe Harbor 401(k): What HR Leaders Should Know About Plan Design and Participation

For HR and benefits leaders, Safe Harbor is both a compliance fix and a plan design lever that changes what…

5 Design Decisions That Determine Whether Student Loan Matching Works for Your Plan

Student loan matching is one of the newer plan design options available to 401(k) sponsors. It's also one of the…

Why Do Eligible Employees Still Skip the 401(k)? What Plan Sponsors Can Do

Many employees who skip their employer's retirement plan do so for a simple reason: they don't understand how it works.…

Your Employees Are Asking AI About Retirement. How Should HR Respond?

Your employees are already using AI for retirement and financial decisions, often without telling anyone. Surveys show strong adoption and…

The 2024 Fiduciary Rule Is Vacated: What It Means for Your Plan’s Fiduciary Coverage

The 2024 fiduciary rule, known as the Retirement Security Rule, has been vacated. The Department of Labor (DOL) reinstated the…

What Does the DOL’s Amicus Brief Mean for Plan Forfeiture Decisions?

On January 30, 2026, the U.S. Department of Labor (DOL) filed an amicus brief in Barragan v. Honeywell Int'l Inc.,…

Everything You Need to Know About Freezing Your Credit

Retirement saving gets most of the attention when people talk about financial planning — and it should. But the everyday…

Would the Form 5500 Filing Simplification Act Help Your Plan?

H.R. 7362, the Form 5500 Filing Simplification Act, would extend the filing deadline for calendar-year plans from July 31 to…

Why Are Target-Date Fund Investors More Confident About Retirement?

The short answer: A new Voya Investment Management study found that a higher number of employed target-date fund (TDF) investors…