Anson Blog

March 12, 2018

Owner-Only Businesses Might Benefit From a Solo 401(k)

The Solo 401(k) A retirement savings vehicle designed for the smallest businesses. Provided by Sam Sweitzer, CFA   A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan. You can create one of these if you work for yourself or for […]
May 31, 2017

Millennials and the 401(k)

In all sectors of business, people are talking about Millennials. This generation, or those born from the early 1980s to the early 2000s, has shifted the status quo. Their worldview, their desires, and their expectations have presented a new challenge for businesses. So how does this emerging workforce […]
May 26, 2017
Target Date Fund

The Benefits of a Target Date Fund

Investors who have been automatically enrolled in their company’s 401(k) plan have a good chance of being placed in a Target Date Fund. TDFs are increasingly popular among 401(k) plans and can be a wise investment choice for participants of all ages. Though one of the benefits of […]
May 19, 2017
Plan Committee

Best Practices for 401(k) Retirement Plan Committees

Many 401(k) plan sponsors choose to create committees to help manage the company’s retirement plan. These are typically called “retirement plan committees” or “administrative committees.” Since this group of people is responsible for making policy and investment decisions for their company’s plan, their fiduciary responsibility is significant. Retirement […]
April 28, 2017

Benchmarking Fees for 401(k) Plans

Fee transparency has become a major focus of the Department of Labor in recent years. It is incumbent on plan sponsors to document that they are meeting all requirements for fee evaluation. Sponsors should guarantee that all compensation paid to service providers is reasonable in terms of the […]
April 12, 2017

Structuring a 401(k) Plan Committee

Structuring a 401(k) Plan Committee is a fiduciary duty, but it does not have to be a daunting one. A 401(k) Plan Committee is the crux of a plan’s governance. This efficient decision-making team for the 401(k) plan brings together different perspectives and ideas for the development of […]
April 7, 2017

Participant Education and the 401(k)

In today’s complicated and complex investment world, there is a strong need for active participant education in a company’s retirement plan. According to a recent JP Morgan study: 68% of participants know that they are not saving enough for retirement, saying that their 2015 contributions were below where […]
March 22, 2017

The Benefits of Automatic Enrollment in a 401(k) Plan

Automatic enrollment in 401(k) plans has grown by 50% since 2010 (Vanguard) and with good reason. Automatic enrollment (henceforth referred to as “AE”) reframes the savings decision and generally increases individual participation. When individuals are automatically enrolled in the plan, the decision to decline can become more laborious […]
March 15, 2017
Anson Analytics: Principled Position

Tips to Avoid 401(k) Lawsuits

For employers offering a 401(k) plan anxiety may be rising. Class-action lawsuits have been targeting an even wider variety of alleged breaches in fiduciary duties. Even colleges, universities, and small-sized plans are not exempt from the threat of these lawsuits. In August there was a push into nonprofit […]
January 25, 2017

6 Steps to a 401(k)

As a company that works with both individual and institutional investing, we try to send out information that could be useful for both types of clients. For instance, our posts on diversification, emotional investing, and long-term investing can give guidance to any investor! But every now and then we will […]
October 4, 2016

All Investment Advisers Are Not Created Equal

When choosing a retirement plan for your company, it is important to also carefully choose an investment professional to help you make the right choices. As the company, or plan fiduciaries, it is your responsibility to select, and monitor, an investment adviser that complies with ERISA responsibilities. It […]