401(k) Q&A | Plan & Industry Content From DWC - The 401(k) Experts

What's Old Is New Again

Whether we’re talking fashion or music or architecture or barber shops, it seems things that have faded from existence eventually come back around. See if this cycle looks familiar: cutting edge becomes status quo becomes so last week becomes so [insert decade] becomes retro becomes vintage.

Exactly the Same but Completely Different

Adam C. Pozek 09/17/14

At the end of August, I made my first trip to Burning Man, an annual event held in the Black Rock Desert of northern Nevada. With 10 guiding principles, it involves art, music and free-spiritedness. This experiment in temporary community sees 65,000+ attendees converge on a dried-up lake bed, build a temporary city and leave behind no trace that ...

Don’t Be The Next Target for a Data Breach

Adam C. Pozek 09/1/14

The TJX Companies, Target, and AT&T are just three of the big names to have been victims of massive data breaches in which sensitive personal and financial information was compromised. Although it might seem that large companies are the only potential victims, the risk is shared by any organization that houses or transmits such information. If ...

SchoolHouse Rock Meets The 401(k) Plan

Adam C. Pozek 04/22/13

When I was kid, I used to love Schoolhouse Rock during the commercial breaks of Saturday morning cartoons. Even now, I have them all on DVD as well as a CD of covers by various rock musicians, and I still sing along with all of them word-for-word!

Accidents Will Happen

Adam C. Pozek 02/24/13

If you’ve spent any time working with retirement plans, you know how complicated they can be. It seems like every rule has an exception and an exception to that exception. It is no wonder that accidents occasionally happen - and correction is required - despite everyone’s best efforts to follow the rules.

What You Thought You Knew About Revenue Sharing

Adam C. Pozek 06/26/12

Ever see the movie Men In Black? One of my favorite lines is when Tommy Lee Jones says to Will Smith, “Fifteen hundred years ago, everybody knew the Earth was the center of the universe. Five hundred years ago, everybody knew the Earth was flat; and fifteen minutes ago, you knew that humans were alone on this planet. Imagine what you'll know ...

Happy MEP-morial Day From The DOL

Adam C. Pozek 05/29/12

Back in March, Assistant Secretary of Labor Phyllis Borzi testified before a Senate committee, expressing concern about whether open MEPs can be treated as single plans under ERISA since there is no commonality among adopters. A recording of her testimony is here, with the MEP comments beginning around the 36th and 43rd minutes. Some commentators ...

An In-Depth Review of Real Estate in 401(k) Plans | Part 2

Adam C. Pozek 05/19/11

In Part 1 of this post, I discussed some of the DOL rules that can make real estate not all it’s cracked up to be as a 401(k) investment. Here in Part 2, we will take look at some IRS wrenches that get thrown into the works.

An In-Depth Review of Real Estate in 401(k) Plans | Part 1

Adam C. Pozek 04/25/11

“Real estate doesn't interest me. It's no doubt a great flaw in my personality, but I can't think in terms of boundaries. Those imaginary lines are as unreal to me as elves and pixies.” -- Kurt Vonnegut, Jr.

Your Tax-Exempt Status Has Just Been Revoked!

Adam C. Pozek 04/19/11

It’s funny how the human brain (or maybe it’s just my brain) forms associations with words or phrases. Whenever I hear the word “revoked,” I immediately think of a scene from one of the Lethal Weapon movies. The bad guy had been using his diplomatic immunity to get away with all sorts of nefarious deeds. At the end of the movie as he lay clinging ...

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