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  • Featured, News and Updates

Looking Ahead to 2025: 5 Trends Shaping the Future of 401(k) Plans

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.
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PCI Reaches $5 Billion AUA/AUM Milestone!

PCI has officially reached $5 billion in total Assets Under Management (AUM) and Assets Under Advisement (AUA)! We’re proud to work with 401k fiduciaries across the nation to help get their employees on track for retirement.
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Results from PCI’s ILPS Report Finds More Than 60% of 401(k) Plan Investment Lineups Underperform All-Index Lineups

PCI’s 401(k) Investment Lineup vs. Passive Scorecard answers the question 'Do 401(k) investment lineups outperform all-index lineups?'
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The Secret Role Manager Selection Plays in 401(k) Plans

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.
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  • Featured, Fiduciary Tools, Investments, Retirement Readiness

Investment Returns Matter: How Fiduciary Committee Decisions Impact Retirement Readiness

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.
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Introducing the PCI 401(k) Investment Lineup vs. Passive Scorecard Annual Report

PCI’s 401(k) Investment Lineup vs. Passive Scorecard answers the question 'Do 401(k) investment lineups outperform all-index lineups?'
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PCI Turns 30: Join Our Open Celebration on the Square!

On August 1st, 2024, Pension Consultants, Inc. will celebrate 30 incredible years of being part of the Springfield, MO community.
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PCI Named on NAPA’s 2024 List of Nation’s Top DC Advisor Teams

Pension Consultants, Inc. is excited to be featured on NAPA’s 2024 ‘Nation’s Top DC Advisor Teams’ ranking! For 30 years, PCI has been mission-driven to improve the financial security of American workers. We accomplish this by helping our clients get their employees on track for a successful retirement. Based on
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  • Featured, News and Updates, Retirement Readiness

5 Reasons Emergency Savings Within 401(k)s Are a Great Idea

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...
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Emergency Savings Accounts: The Most Important 401(k) Development Since Auto Features?

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.
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Retirement’s Evolving Landscape: A Recap of 2023’s Key Developments

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.
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Participant Managed Account Fees are Expensive and Add up Over Time

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.
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  • Featured, Fiduciary Tools, Investments, Retirement Readiness

Mind the Red Flags: Unraveling the Customization Claims of 401(k) Participant Managed Accounts

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.
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Managed Accounts Lack of Performance Benchmarking is a Red Flag You Shouldn’t Overlook

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.
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Overseeing a 401(k) Plan Bound for Retirement Island? Don’t Forget the SPD

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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Take Care of Your Employees – Even When They Are Gone

The recently launched Portability Services Network (PSN) is one potential solution. (link to PSN website) The PSN is a digital hub connecting retirement plan record keepers and plan sponsors aiming to reduce cash outs by introducing auto portability for employees leaving their job with a balance under $5,000.
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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.
Pension Consultants, Inc. is registered with the U.S. Securities and Exchange Commission as an investment adviser. Important Disclosures