Top of Mind


16

Mar 2017

Your Retirement Plan has HOW MANY Investments?

While many things have changed in my 25 years at Cammack Retirement, some things have remained the same.  One of those is the tendency for retirement plan sponsors to offer too many investment options to their participants. It is not unusual to come across plans with tens, or even hundreds, of …

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09

Mar 2017

Preparing Participants for the Next Market Downturn

As I write this at the close of February, the S&P 500 is up a robust 5.57% for the first two months of the year.  The last seven calendar years have seen an increase in the S&P 500 each and every year, averaging approximately 15% per year since the last correction in 2008. Other equity ind…

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01

Mar 2017

Back to Basics: Investment Terminology, Part 2

Welcome back to Back to Basics! The inaugural edition of Back to Basics featured an explanation of some important retirement plan investment terms. However, there were too many terms for one Top of Mind, so we continue this week with part two: Target Date Fund (TDF) — Also known as a l…

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22

Feb 2017

Back to Basics: Investment Terminology

Welcome to the first edition of Back to Basics! This new feature was created based on some of our plan sponsor clients who indicated that they could benefit from an explanation of certain retirement plan fundamentals. This inaugural edition of Back to Basics features investment terminology with w…

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16

Feb 2017

Some "Top of Mind" Thoughts on the Fiduciary Rule Delay

While Trump’s Presidential Memorandum requesting the Secretary of Labor to analyze the Fiduciary Rule was not a direct request for a delay in the applicability date, his directive had the same effect. We are covering the delay extensively, most recently in this Compliance Alert as well as next week’…

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09

Feb 2017

Hey Everyone, I'll be Tweeting!

In our effort to improve upon reader experience, I am excited to announce a few developments on which I have been working for some time. First, I will soon be using Twitter to share my Top of Mind thoughts in 140 characters or less.  Follow @MikeWebb_CRG to see my latest observations and tho…

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01

Feb 2017

From the Archives: A Retirement Recordkeeper Consolidation Revisited

This edition of From the Archives is an oldie, but a goodie! Over ten years ago, I wrote an article for the Journal of Retirement Planning regarding an amazingly successful recordkeeper consolidation at one of our clients, South Jersey Healthcare.  Much has changed since the article was writ…

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26

Jan 2017

Tools You Can Use: That401ksite

In short, I have seen the future of retirement plan websites, and its name is that401ksite.Okay, perhaps Ary Rosenbaum, a prominent retirement plan attorney at The Rosenbaum Law Firm, P.C., is not quite to retirement websites as what Bruce Springsteen was to the future of rock and roll, but if I wer…

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19

Jan 2017

Is This the Beginning of the End for Revenue Sharing?

A number of recent articles have opined that revenue sharing is being eliminated by some large plan sponsors, and that small and mid plan sponsors may follow. With a number of mutual fund families introducing zero-revenue sharing share classes of funds where none existed previously, some have even s…

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12

Jan 2017

Is Your Recordkeeper Seeing the Entire Field?

Recently, I had the privilege of watching the football team of my alma mater, Northwestern University, play in the Pinstripe Bowl at Yankee Stadium.  It was the first college football game I have attended since I graduated a long time ago. I have, however, seen my alma mater play football ma…

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