3(16) vs TPA Services: Who Really Carries Your Fiduciary Weight?
If you are still the one signing your plan’s Form 5500, you haven’t actually offloaded your risk; you’ve only outsourced the paperwork. It is a…
The Role of an Independent Retirement Plan Administrator in 2026: A Comparison Guide
The “all-in-one” convenience of a bundled 401(k) provider might actually be your greatest source of personal legal risk. While it feels easier to…
The 401(k) Investment Policy Statement: Your Blueprint for Prudent Plan Governance
A 401(k) Investment Policy Statement (IPS) ensures ERISA compliance, guides fiduciaries in prudent plan governance, defines investment criteria, mandates monitoring, and supports audit readiness.
401(k) Fiduciary Responsibilities: How a 3(16) Partner Reduces Risk
This guide explains 401(k) fiduciary duties, common compliance risks, and how partnering with a 3(16) fiduciary like Admin316 reduces liability, ensures ERISA compliance, and streamlines plan management.
ERISA Compliance Challenges Plan Sponsors Must Fix Before They Become Liabilities
Plan sponsors must address ERISA compliance gaps—like late deferrals, service provider oversight, audit readiness, cybersecurity, and document updates—to avoid liabilities and protect participants.
Fiduciary Risk 101 for Small and Mid-Sized Employers
Small and mid-sized employers face fiduciary risks managing retirement plans under ERISA. Admin316’s independent 3(16) services reduce liability, ensure compliance, enhance governance, and protect plan security.
