Magazine Articles

Preserving retirement savings is simple when participants work for one company year after year and accumulate all assets within one plan. But how can employees keep their savings...

James YangMany employers go beyond a basic 401(k) plan to provide their employees with the means to diversify their retirement savings. Three common offerings are health savings accounts...

James YangThe vast majority of retirement plan participants have no idea how much money they need to save for retirement, or how what they have saved can be...

Four out of five retirement plan participants believe that a guaranteed monthly payout benefit is a “must have,” even if it means compromising some access to their retirement...

“The only way to make it to the finish line is to save money,” says adviser Jason Chepenik, managing partner at Chepenik Financial in Winter Park, Florida.Sponsors following...

Systematic withdrawals—lump sum or partial—are distributions that allow participants to schedule a series of recurring payments, thus creating a predictable stream of retirement income.

Plan sponsors strongly favor participation rate as their No. 1 plan benchmark—but the measuring of projected income replacement is key. Unfortunately, this figure can vary greatly and will...

Not a synonym for education or guidance, “financial advice” for retirement plan participants is narrowly defined under the Employee Retirement Income Security Act (ERISA). Those hired  to deliver...

The market for products that generate reliable income in retirement is growing. A survey conducted by Prudential in 2012 shows that participants are interested in such products. However,...

“Just as when employees are young and juggling how to save for a house, college and retirement, so, later in life, the savings goals shift to retirement and...

Recent product introductions that may improve participant outcomes

2014 PLANSPONSOR Participant Survey: 401(k) participants may be more aware—and expect more of you—than you think.

Quotes, survey statistics and musings to use in employee communications, or just for a break from the grind.

“Knowing what’s right doesn’t mean much unless you do what’s right.” —Theodore Roosevelt

James YangAs smartphones and tablets expand their role in the work/life balance of most Americans, the retirement plan industry has begun to capitalize on these new capabilities, and...

Demographic data can be useful in helping plan sponsors to understand the financial and savings priorities for different groups.Women Live LongerA report from the U.S. Government Accountability Office...

Until recently, the focus of sponsors’ education for their retirement plan participants was limited to enrollment, investments and other plan- or retirement-specific information. Today, more sponsors are embracing...

Why do people do what they do?

If participants and plan sponsors want increased levels of confidence in their retirement security—and their ability to deliver retirement security—both parties must contribute more.

Twenty-one years ago this month, PLANSPONSOR magazine made its debut!