Insights & Guides
Plan Sponsor Guides
Why Hire a Retirement Plan Consultant?
What an independent, fee-only consultant does, how it differs from a broker, and the Four-Point Plan Review every sponsor can run on their own plan.
Read →How Do I Choose an Independent 401(k) Consultant?
The criteria that separate a truly independent, fee-only consultant from a product-tied advisor — and the questions to ask before you hire one.
Read →How Much Should a 401(k) Plan Cost? A Fee Walkthrough
The three fee buckets, what drives pricing, and how to tell whether your plan is paying too much.
Read →How Often Should You Benchmark Your 401(k) Plan?
The cadence ERISA's duty of prudence implies, the events that trigger a market check, and what a defensible benchmark includes.
Read →Am I a 401(k) Plan Fiduciary? ERISA Duties Explained
Who counts as a fiduciary, the five core ERISA duties, personal liability, and what prudence looks like in practice.
Read →3(21) or 3(38): Which Fiduciary Does My Plan Need?
What the two advisor arrangements mean, who holds responsibility under each, and how committees should choose.
Read →Should You Switch 401(k) Providers? A Conversion Walkthrough
What a recordkeeper conversion involves — the timeline, the blackout, how money moves, and what employees experience.
Read →Insights
What Does Hughes v. Northwestern Mean for 401(k) Fees?
What the Supreme Court's excessive-fee ruling requires of plan sponsors — and how to defend your menu.
Read →Can You Be Sued Over Your Health Plan? The Johnson & Johnson Case
The case that brought ERISA fiduciary scrutiny to group health plans and pharmacy benefits.
Read →Is Your PBM a Fiduciary Risk? The Cigna Question
How PBM conflict-of-interest litigation is reshaping the duties of health plan sponsors.
Read →What Does SECURE 2.0 Require of Your Plan Now?
The mandatory provisions already in effect — and the deadlines sponsors can't miss.
Read →Can You Leave an Insurance-Company 401(k) Without Losing the Guarantee?
How a $55M plan left an insurance-vendor annuity menu, removed built-in advisor compensation, and locked in a higher guaranteed rate.
Read →Has Your Plan Outgrown Its Recordkeeper? A $32M Transition
A $32M plan outgrew its recordkeeper. How the market search and managed transition were run.
Read →Is My Plan Too Small to Benchmark? A $3.2M Case Study
What a $3.2M plan gained from its first competitive recordkeeper search in six years.
Read →Speak with Regency.
Questions about this topic as it relates to your plan? We welcome the conversation.