The Ultimate 401k Document Retention Policy Checklist for 2026
Most plan sponsors treat record storage as a simple administrative task, but in reality, your filing cabinet is a legal fortress that either protects…
401k Contribution Remittance: Timely Deposit Rules & Fiduciary Liability in 2026
The 15th business day of the following month isn’t a safe harbor; it’s a maximum deadline that often signals you’re already in violation of ERISA…
401k Administrative Error Correction: A Comprehensive Guide for Plan Sponsors
The weight of personal fiduciary liability is a heavy burden for any business owner to carry alone. You understand that even a minor oversight in…
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…
3(16) Fiduciary Services Pricing: A 2026 Buyer’s Guide to Compliance Costs
Every time you sign a Form 5500, you aren’t just filing paperwork; you’re personally assuming the legal weight of your company’s retirement plan….
3(16) Administrator vs. 3(38) Fiduciary: Which Does Your Plan Need?
If you believe your investment advisor is shielding your company from every possible ERISA mistake, you’re likely carrying a much heavier burden than…
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.
