3(16) vs. 3(21) vs. 3(38) vs. 402(a): What Each Fiduciary Role Actually Covers
August 7, 2026
3(16), 3(21), 3(38) and 402(a) each cover a different job and a different slice of liability. Here is what each role actually transfers — and the one appointment most providers decline.
What 401(k) Management Companies Do — And What They Don’t
August 7, 2026
401(k) management companies handle recordkeeping, testing and Form 5500 prep — but key fiduciary duties stay with the employer. Here’s the real division of labor.
401(k) Providers vs. 401(k) Administrators: What Employers Actually Need
August 6, 2026
401(k) providers sell infrastructure; 401(k) administrators perform the compliance work — and only a properly appointed fiduciary takes the duty off the employer. Here’s how to tell which one your plan needs.
How to Choose a 401(k) Administrator: The Employer’s 2026 Checklist
August 5, 2026
A plan sponsor’s checklist for comparing 401k administrators: fiduciary role, Form 5500 signing, deferral timing, fees, audit support and exit terms.
What Happens if Your 401(k) is Out of Compliance? The 2026 Employer Guide
August 2, 2026
Most business owners believe their corporate structure protects their personal bank accounts from retirement plan errors, but the Department of Labor…
What is a Defined Benefit Pension Plan? A 2026 Employer’s Guide
August 1, 2026
What if you could provide a guaranteed retirement income that acts as a fortress for your key employees while shielding your business with…
401k Fiduciary Liability: 2026 Guide for Plan Sponsors
July 31, 2026
Did you know that ERISA class-action lawsuits nearly doubled in the first quarter of 2026 compared to the same period in previous years? With a 95%…
Transferring Fiduciary Liability: A Guide for Plan Sponsors
July 30, 2026
Your personal assets shouldn’t be the collateral for your company’s retirement plan compliance. For many plan sponsors, the constant fear of a…
403(b) Plan Fiduciary Responsibilities: A 2026 Guide to ERISA Compliance
July 29, 2026
Under ERISA, fiduciary status isn’t a badge you choose to wear. It’s a legal weight you carry the moment you exercise discretion over your…
Retirement Plan Compliance Outsourcing: The 2026 Guide to Fiduciary Relief
July 28, 2026
Most business owners don’t realize that signing a Form 5500 isn’t just a routine administrative task; it’s a personal legal pledge that puts their…
