Category Archives: Investment selection

Is there a devil in your 401k investment menu?

Could your 401k QDIA actually be a liability? If an investment advisor or broker recommended an investment with a 3 month track record for your employees would you take it? That is what many sponsors did when Qualified Default Investment … Continue reading

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Warning: Your 401k Plan May be a Lemon

Yale Professor warns of Hidden Excessive Fees Yale Law School professor has put many 401k industry providers have been in an uproar over the last few weeks. Professor Ayers sent letters to about 6,000 sponsors of 401(k) plans suggesting that … Continue reading

Posted in 401k Fees, 401k Monitoring, 401k Review, Fee monitoring, Investment Monitoring, Investment selection | Tagged , , , | Leave a comment

401k risk sharing: Are you on the 401k risk island alone?

The majority of companies are not working with a retirement plan advisor/consult that takes on any 401k risk. While they provide recommendations, the laws that govern 401k plans say that you made the decision. In fact if you Google “fiduciary … Continue reading

Posted in 401k Review, 401k Risk, Employer sponsored retirement plan risk, ERISA 3(38) Investment Manager, Fiduciary duties, Investment selection | Leave a comment

Do you need an investment life guard (ERISA 3 (38) investment manager)?

Does your investment guide give you a false sense of security? It doesn’t seem to be wise to take on risks where there is no reward. Yet, if you are like most plan sponsors you are taking on the risk … Continue reading

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Would you rather have a 401(k) $100,000 balance or a $198,000?

Assuming that this is not a trick question, hopefully you answered the latter. Recently, I did an analysis of a Chicago law firm with about a $50 million total balance. Had they been in a portfolio based on principles of … Continue reading

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401k reviews and fast food menus

When we go to McDonald’s, most of us don’t expect to get healthy food. McDonalds serves kids and adults. We go there because it is quick, convenient and offers a fun experience for those of us with kids. McDonald’s does … Continue reading

Posted in 401k Management, 401k Review, Fiduciary duties, Investment Monitoring, Investment selection, Provider monitoring, Provider selection, retirement plan education | Tagged | Leave a comment