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When a company’s 401k plan has a low participation rate based solely on the contributions not being matched, it’s tough to find ways to get more employees involved. The good news is, there are other ways to increase participation with [...]

When looking at a company’s financial statements, they should be viewed as similar to a report card in school - organizing and summarizing business performance during a selected period of time. The base numbers are derived solely from decisions and [...]

To understand if your 401k plan has a fidelity bond on it, you need to first understand what a fidelity bond is. And even though the ERISA regulation isn’t actively enforced all of the time, it puts your company at [...]

Sometimes a plan has stale dated checks, or settlement checks from funds. When that happens, they are deposited into an unallocated asset category. Which means, those funds end up sitting still and not doing anything to benefit an investment strategy [...]

A 401k plan that’s held with an insurance company often offers a product used by investors to gain positive returns called a Pooled Separate Account. While these accounts can offer options from many providers, they are all placed into one, [...]

If you participate in a 401k, you may own a proprietary fund and not even be aware of it! That’s bad news because these funds are expensive, and typically aren’t the best in class. Having proprietary funds relies mainly on [...]