401k Best Practices
Articles

401(k) Conflict of Interest Case Studies

In the 401(k) industry, conflicts of interest can come from two sources: employers managing 401(k) plans, and service providers working on behalf of those employers. Conflicts of interest can arise when an employer or service provider has an incentive to put its own interests above the needs of the employees’ retirement plan. The following case studies are an example of what different conflicts of interest can look like in the context of…

401k Best Practices
Articles

401(k) Expenses - Understanding and Analyzing 401(k) Plan Fees

The E for Expenses essay focuses on 401(k) plans and their costs. Here we will explore the fees you are likely to see in your plan, understand who should be responsible, how best to analyze, and how often you should review. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer's go-to resource for 401(k) plans.

401k Best Practices
Articles

401(k) Engagement - Helping Employees Make the Most of Your 401(k)

The "E" for Engagement essay focuses on how to help your employees make the most of the company 401(k) plan. For example, you want to not only evaluate how many of your employees are participating, but also how much of their salaries they're contributing, and how diversified their investments are. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer's go-to resource for 401(k) plans.

401k Best Practices
Articles

401(k) Investment Solutions - Offering 401(k) Fund Options for Different Purposes

The "I" for Investment Solutions essay focuses on choosing the best investment options for your employees. Just because you want to provide your employees with a valuable retirement benefit, doesn’t mean you want to become an expert in investing. This essay offers a list of investment solutions that help each type of employee at your company; from those who want to invest on their own, to those who want a lot of help. Nathan Fisher developed a…

401k Fees And Performance
Articles

Why Investors Miss the Mark

Regardless of why people choose to change what their long-term investments are, the research shows that too many people are buying high and selling low. A study by Dalbar shows that if an investor holds a good mix of investments, they’ll do better over time than a reactionary and always-changing investment strategy will.

401k Basics
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401(k) Employee Participation: Why It Matters

A 401(k) plan can be one of the most compelling benefits for attracting and retaining valued staff—but only if your employees take advantage of it. This article looks at why it’s so important that your service provider focuses on helping encourage employee participation in the retirement plan, and some tactics you can use to increase employee engagement.

401k Best Practices
Articles

401(k) Responsibilities – Making Sure Your Employees Come First

The "R" for Responsibilities essay focuses on your responsibility in making decisions on behalf of plan participants and their beneficiaries (current and past employees, and their families). To that end, it's critical that you seek out any potential conflicts of interest in your plan and work to remove them. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer’s go-to resource for 401(k) management.

401k Best Practices
Articles

401(k) Resources – Finding the Right Tools for 401(k) Success

The "R" for Resources essay focuses on resources that can help you, as the 401(k) plan manager, more effectively manage your plan and provide access to resources that will help your employees get and stay on track towards retirement. The resources and support a 401(k) service provider has to offer both you and your employees can mean the difference between success and falling short of their 401(k) goals. This essay offers a list of resources…

Educational Workshop Guides
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401(k) Tracking – Measuring 401(k) Performance in Terms of Retirement Readiness

The T for Tracking essay focuses on the answering the question: are your employees retirement ready? For most people, retirement readiness is really what a 401(k) plan is all about; your employees are going to retire someday, and they need to be ready with sufficient monthly income to maintain their standard of living. Your employees’ retirement readiness can be a unifying theme for evaluating your 401(k) plan’s effectiveness. Nathan Fisher…

Educational Workshop Guides
Articles

Investment Highlights and Snapshot Sample Report

Here is a sample investment benchmarking report from a third party. The report reviews the funds in your company 401(k) plan and identifies if they are good (green), at risk (yellow) or bad (red). Once a fund is in the red category, it should be put on a fund watch list and removed if it doesn’t improve. See this sample report to get an idea of what an investment benchmarking report can do for your 401(k) plan.

401k Fees And Performance
Articles

Historical Frequency of Positive Stock Returns

While stocks have the strongest historical returns, many Americans still reeling from the 2008 financial crisis remain afraid of investing their retirement savings in the stock market. This information sheet plots historical S&P 500 data going back to 1926 to show how returns behave over time shows that over a 30-year period, there has never been a time when cash or bonds have outperformed stocks.

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Fisher Investments 401(k) Solutions is dedicated to helping small and mid-size businesses deliver successful ‭retirement plan services. Our success is defined by each business achieving its custom 401(k) plan goals and by ‭empowering employees with the dedicated support and resources necessary to achieve a dignified retirement. Our ‭solutions are built on the core principles of providing employers and employees ready access to dedicated 401(k) ‭specialists, flexible investment options, and fee transparency.

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