Opinions

Opinions |

IMHO: The End in Mind

Having spent three days immersed in PLANSPONSOR's second annual DB Summit, I was struck by just how relatively "easy" participant-directed plans—be they 401(k), 403(b), or 457- are.
Opinions |

IMHO: Motivationally Speaking

Two years ago, I wrote about the "next level" in defined contribution designs: a growing interest on the part of plan sponsors in focusing on service elements like...
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IMHO: Thank Full

Thanksgiving has been called a "uniquely American" holiday, and while that is perhaps something of an overstatement, it is unquestionably a special holiday, and one on which it...
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IMHO: Theories of Relativity

I was having coffee with a buddy of mine a couple of weeks back, and before long the discussion turned to music; specifically the new Bruce Springsteen CD.
Opinions |

IMHO: It's About Time

It may have lacked the hoopla of a midnight Harry Potter release, but in retirement industry circles, last week's publication of the Department of Labor's final regulations on...
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IMHO: Heightened Sensibilities

I was at a conference a couple of weeks ago, when the CEO of a large, national consulting firm stood up and commented on the increased fiduciary burden...
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IMHO: The Devil in the Details

The testimony presented at last week's hearing by the House Education and Labor Committee on the issue of 401(k) fees was remarkably consistent, IMHO, certainly compared with the...
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IMHO: Impact Full

In a business notorious for change, it nonetheless seems fair to say that the past twelve months have been extraordinary ones indeed.
Opinions |

IMHO: PPA's Sway

These days, the Pension Protection Act of 2006 (PPA) is sometimes referred to as the "Pension Destruction Act." That's too harsh an assessment, IMHO, but it certainly has...
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IMHO: Question "Marks"

Without question, asset-allocation solutions—particularly target-date fund solutions—are well on their way to becoming a dominating force on retirement plan menus.
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IMHO: For the People, By the People

Last week, no fewer than a dozen industry trade organizations put their collective heads together and tried to help the Department of Labor—which has been working on a...
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IMHO: Other People's Money

I was on a panel at our recent Plan Designs conference, and the topic of qualified default investment alternatives (QDIAs) came up.
Opinions |

IMHO: "Might" Makes Right?

Last week the Government Accountability Office (GAO) published a 67-page report titled "Conflicts of Interest Involving High Risk or Terminated Plans Pose Enforcement Challenges."
Opinions |

IMHO: Fighting Words

With all the tact of a law professor dressing down a first-year student, U.S. District Judge John Shabaz of the U.S. District Court for the Western District of...