Where 401(k) Plans Fall Behind
Most retirement plans are not broken.
They simply fall behind over time.
Fees That Have Not Been Benchmarked
If fees have not been benchmarked recently, there may be opportunities to improve value without disrupting the plan.
Plan Design That No Longer Fits
When the design no longer fits, the plan can become less effective than it should be over time.
​
No Clear Process for Ongoing Review
A strong plan is not built through one-time decisions. It is supported through regular attention and thoughtful oversight.
Limited Participant Engagement
Strong participant support can improve engagement and help employees feel more confident in their decisions.
Outdated Investment Lineup
Investment menus should be reviewed over time to make sure they still support participant outcomes and fiduciary expectations.
Unclear Fiduciary Oversight
When responsibilities are not clearly defined, important decisions around fees, investments, and governance can fall through the cracks.