Fiduciary committees have many important obligations to their participants. Among those, selecting and monitoring your plan’s investment options is one of the most vital. In our latest blog, we take a look at how committee investment decisions can impact participant retirement readiness.
As 2024 closes and we head into 2025, we’re looking at the trends that will define the coming year. In 2025, the focus shifts to improving retirement readiness through goal-based 401(k) plan oversight and management.
PCI’s 401(k) Investment Lineup vs. Passive Scorecard answers the question ‘Do 401(k) investment lineups outperform all-index lineups?’
PCI holds a unique position that the added investment performance from successful manager selection makes a significant difference to participants’ ability to retire. When returns from active managers outperform index benchmarks, the participants receive that added value in retirement readiness. Contrarily, participants pay when investment managers underperform.
Fiduciary committees have many important obligations to their participants. Among those, selecting and monitoring your plan’s investment options is one of the most vital. In our latest blog, we take a look at how committee investment decisions can impact participant retirement readiness.
PCI’s 401(k) Investment Lineup vs. Passive Scorecard answers the question ‘Do 401(k) investment lineups outperform all-index lineups?’
On August 1st, 2024, Pension Consultants, Inc. will celebrate 30 incredible years of being part of the Springfield, MO community.
When the Internal Revenue Service (IRS) issued new rules that allowed employees to contribute to 401(k)s in 1981, one very important effect drastically impacted the
Unfortunately, this is a very common choice that individuals make when leaving their employers. Although younger people are more likely to cash out their balances, people of all ages make this detrimental mistake.
American workers are financially struggling. They are worrying about unforeseen expenses and feeling uncertain about their futures. However, Secure 2.0’s PLESA provision is a promising solution to help. Check out PCI’s top 5 reasons why PLESA is a great idea…
We believe emergency savings accounts within 401(k) plans are one of the most significant developments in recent years to help close the savings gap and improve the financial security of the American workforce.
As we turn the page on 2023, in our latest article, we looked back at some of the industry-defining news that made its mark on the retirement world in 2023. Read on for our top stories of the year.
For a fiduciary committee responsible for assessing a plan’s costs and prioritizing participants’ best interests, every fee carries weight. With managed accounts, the extra charges can be a substantial detriment to participants’ retirement readiness.
401(k) Participant Managed Accounts are Not as Customized as Sellers Would Make It Seem. It is our view that, under the best circumstances, managed accounts offer true benefits to only a few plan participants who have specific and unique circumstances. However, for the majority of participants, these accounts are likely to resemble Target Date Funds (TDFs), with the added drawback of higher fees and potentially lower returns.
Over the last several years, there has been a growing trend of plan advisers and recordkeepers aggressively selling Participant Managed Accounts in employer-sponsored retirement plans.
PCI takes a deeper look at one critical, yet often overlooked, resource that can help 401(k) fiduciaries feel comfortable and confident navigating the rules of their retirement plan.
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The concepts expressed herein represent the views and opinions of Pension Consultants, Inc., and are not intended as legal, tax, or investment advice for any specific individual, account, or plan.
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