Default Investment Alternatives Reduce Fiduciary Liability

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The Pension Protection Act has provided a number of new incentives to help employers increase participation in their 401(k) plans. The new safe-harbor provision is well worth a discussion with plan sponsors having problems with anti-discrimination testing.

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Target-date funds follow a variety of glide paths and asset allocation models that make evaluating them against standard benchmarks difficult. One solution may be to classify target-date funds against a set of target-date indexes that are differentiated by risk level: conservative, moderate, and aggressive.