Retirement Plan Investment Menu

Extra! Extra! Stay up to date on the latest news about the DWC team.

The retirement plan landscape is ever evolving. We distill the details so you don’t have to!

We’ve corralled the best news from inside the beltway – not only regulations, but also new legislation from Congress as well as relevant guidance from the IRS and Department of Labor. In true DWC fashion, we don’t just repackage a recitation of the rules, we provide our thoughts and commentary about what those rules mean to you.

We know cash balance rules can be intimidating! Settle into the Cash Balance Corner and let us break it down for you.

Have 401(k) questions? We have 401(k) answers! We bring you answers to many of the common questions we receive.

A behind-the-scenes look not at how the sausage is made, but why we make it the way we do. (Hint: It’s all about the best interests of the client.)

We’re all about learning from other people’s (alleged) mistakes. We might not be attorneys, but we still follow benefits-related cases and summarize lessons and key take-aways. No hourly fee needed for these insights!

A deeper dive into retirement plan topics doesn’t have to be headache-inducing. Our Pension Primer articles provide depth of information without depth of jargon!

01/24/25

DWC | 01/24/2025

ESG Isn't Dead...Yet

We are compliance geeks and not investment professionals, so it’s not often that we wade into the investment waters with our posts; however, a recent district court case out of Texas caught our ...

DWC | 05/16/2022

DWC in Investment News: Bitcoin Too Risky for 401(k)s Part II?

"Before Fidelity made its move, the Department of Labor had sent a warning about using crypto in retirement accounts. In March, the agency issued a compliance assistance release cautioning retirement ...

DWC | 08/20/2019

Who Are All the Providers Servicing My Plan & What Do They Do?

Facts I sponsor a small 401(k) plan for my employees. Sometimes, I get confused about which service provider to go to for different plan-related questions. Time and efficiency are important to me ...

DWC | 06/14/2018

When Will Bitcoin Make Its Way to 401(k) Plans?

For more than a year bitcoin and other cryptocurrencies have been making headlines, and its skyrocketing value has investors asking when it will become an investment menu option for their 401(k) or ...

DWC | 06/12/2018

Is Bitcoin a Realistic 401(k) Investment Option?

Facts Someone would have to be living under a rock for the last year or so not to have noticed all the talk about Bitcoin and other cryptocurrency. The values have fluctuated quite a bit, but all the ...

DWC | 01/8/2018

DWC in Bloomberg: Pension Funds and Bitcoin Futures

Regulated exchanges such as the Chicago Board Options Exchange, CME Group, and Nasdaq are either already trading or planning to trade bitcoin futures, an asset that is known to be particularly ...

DWC | 12/28/2017

DWC in Kiplinger: Leveraging a Backdoor Roth IRA

If Roth IRAs offer a legitimate long-term savings strategy by allowing people to generate tax-free income, why do less than a third of IRA investors have such an account? The short answer is income ...

DWC | 11/28/2017

Is Your 401(k) Required to Have a QDIA?

Facts Like many 401(k) plans, ours allows employees to decide where to invest their accounts among a menu of approximately 20 different mutual funds. For employees who do not make an investment ...

DWC | 10/30/2017

DWC in Kiplinger: Three Common 401(k) Problems and How to Avoid Them

Participants could potentially be losing a portion of their retirement savings due to some tricky 401(k) administrative issues. In a recent article for Kiplinger, DWC Managing Partner Keith Clark ...

DWC | 10/3/2017

Who Must Receive Retirement Plan Blackout Notices?

Facts We have selected a new recordkeeper for our 401(k) plan. We are told that there will be a period of eight business days when our participants are not able to log in and manage their accounts. ...

DWC | 09/18/2017

DWC in Bloomberg BNA: Bitcoin Too Risky for 401(k)s?

"Bitcoin may be the hottest thing going in the investment world, but 401(k) plan participants aren’t likely to see it on their regular investment menus anytime soon," writes Jasmine Ye Han in ...

DWC | 08/31/2017

DWC in Human Resource Executive Online: All About Exchange-Traded Fund Assets

If exchange-traded fund assets are hot among individual investors, why are employers slow to add them as an option for employees?

DWC | 08/23/2017

DWC in 401(k) Specialist: Trends to Watch in Plan Service

"The 401(k) service sector has evolved considerably since its introduction in the Revenue Act of 1978," writes DWC Partner Keith Clark in 401(k) Specialist.

DWC | 08/10/2017

DWC in FiduciaryNews: 401(k) Rollovers and Roth IRAs

"To Roth or Not to Roth," that is the title question of Christopher Carosa's latest FiduciaryNews.com article about 401(k) rollovers.

DWC | 07/3/2017

DWC in the Wall Street Journal: Target-Date Funds

Even as target date funds have become staples in 401(k) investment menus, there continue to be questions about their appropriateness as participants approach retirement age. Is the target date meant ...

DWC | 06/30/2017

DWC in U.S. News & World Report: 401(k) Brokerage Options

Once primarily the domain of 401(k) plans of professional organizations such as law firms or medical practices, the self-directed brokerage window has become a more common option in plans sponsored ...

Adam C. Pozek | 06/26/2012

What You Thought You Knew About Revenue Sharing

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 ...

Adam C. Pozek | 05/19/2011

Mark Twain, Elves and Real Estate in 401(k) Plans | Part 2

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 ...

Adam C. Pozek | 04/25/2011

Mark Twain, Elves and Real Estate in 401(k) Plans | Part 1

“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 ...

Adam C. Pozek | 03/17/2011

Werewolves of Pension

I was recently asked to write an article on ERISA Section 404(c). As I contemplated how to approach the article, I recalled many situations in which I have heard 404(c) pitched as the mythical silver ...

Adam C. Pozek | 01/25/2010

Rethinking Participant Direction of 401(k) Investments

As an industry, we have spent a great deal of time over the last 2 years discussing issues like investment advice, default investments and fiduciary responsibility ostensibly for the purpose of ...

Adam C. Pozek | 12/23/2009

Will Annuities Save The Planet?

The recent market downturn has stirred much debate about the ability of the 401(k) plan to provide adequate retirement income. One proposed solution to the perceived failure of the country’s most ...

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Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6

Decoding the Alphabet Soup: What’s With All the Acronyms | Part 5

Decoding the Alphabet Soup: What’s With All the Acronyms | Part 4

In Case of Emergency, (Don't) Break Plan!

ESG Isn't Dead...Yet

Form 5500 – File It Late or Incomplete?

"Complete Control" with Recommended Contributions

“Cover Me” with the Pension Benefit Guaranty Corporation

10 Common Retirement Plan Compliance Failures Found by the IRS

2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?

2020 Retirement Plan Tax Deductions - It's Not Too Late

401(k) Distribution Rules: After Taking a Hardship Distribution, How Quickly Must a Participant Stop 401(k) Contributions?

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Retirement Plan Investment Menu

Extra! Extra! Stay up to date on the latest news about the DWC team.

The retirement plan landscape is ever evolving. We distill the details so you don’t have to!

We know cash balance rules can be intimidating! Settle into the Cash Balance Corner and let us break it down for you.

Have 401(k) questions? We have 401(k) answers! We bring you answers to many of the common questions we receive.

A behind-the-scenes look not at how the sausage is made, but why we make it the way we do. (Hint: It’s all about the best interests of the client.)

We’re all about learning from other people’s (alleged) mistakes. We might not be attorneys, but we still follow benefits-related cases and summarize lessons and key take-aways. No hourly fee needed for these insights!

A deeper dive into retirement plan topics doesn’t have to be headache-inducing. Our Pension Primer articles provide depth of information without depth of jargon!

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