Menu Design Matters

With additional fiduciary scrutiny and an increase in litigation, it's more important than ever to offer a retirement plan menu that meets the needs of all participants. To be confident in their plan decisions, we believe plan sponsors should design their investment menu based on participant demographics & engagement.


Shelby George, JD, CEDS, discusses how menu design best practices have evolved.

Single Asset Class Portfolios Offer Customized Options

In every plan there are participants who are either engaged or disengaged. The QDIA (Qualified Default Investment Alternative) was designed for the latter. The engaged participant expects more customized options since their objectives may not be met by the QDIA.

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Learn more about the solutions available for the do-it-yourself investor

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CITs Offer a More Affordable Option

In 2015, Lockheed Martin Corp. agreed to pay $62 million to settle a lawsuit where employees accused the company of improperly managing their 401(k) retirement, concealing excessive fees, and required them to consider the use of CITs in the future. With increased scrutiny on retirement plan fees, fiduciaries must be well-versed in CITs to avoid the threat of litigation.

Fiduciary Considerations When Assessing Investment Vehicles

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Additional Resources

Fiduciary Guide

Gain a better understanding of the various roles of plan decision-makers and the enforcers of those decisions.

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Fiduciary Preparation Worksheet

Manage your fiduciary risks by reviewing and documenting the fiduciary decision-making process.

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Breaking Down CITs [Infographic]

We review how CITs have evolved over time and why today it’s more important than ever to consider the use of CITs in a plan’s investment menu.

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Shedding Some Light On CITs

We look at some of the myths these investment products still carry and shed some light on their benefits and how they should be used.

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Incorporate this custom report as a part of ongoing due diligence to document the unique needs of plan participants and to help ensure the QDIA decision reflects participants’ best interests.

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Plan Sponsors’ Fiduciary Handbook

Helps plan sponsors understand their responsibilities and how to actively manage fiduciary risk with a detailed decision-making process.

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