What drives participants to borrow from their 401(k)s? A new EBRI and J.P. Morgan study challenges the idea that these loans fund discretionary spending—pointing instead to healthcare costs, housing pressures, and cash-flow constraints. See what the data reveals and how plan sponsors can support participants’ financial well-being through smarter plan design and education in our latest blog.

As the debate over ERISA litigation reform heats up, a recent House subcommittee hearing put the spotlight on how lawsuits are shaping retirement plan decisions. Experts shared differing views on whether these cases protect workers or limit innovation.
See what industry leaders are saying and why it matters for employers and plan sponsors.

As more Americans enter retirement without a partner, new research highlights how single savers face distinct financial challenges—from building emergency funds on one income to planning for long-term care. Explore key findings from Nationwide’s study and how personalized financial guidance can help single investors prepare for a confident retirement.

Many New Year’s financial resolutions fade fast—but the key to lasting success might be simpler than you think. A recent study suggests that when saving goals align with your personality, you’re more likely to stick with them over time. Read our latest blog to discover how your unique traits can shape smarter, more sustainable money goals for the year ahead.

The Department of Labor is moving forward with regulations to implement SECURE 2.0’s requirement that defined contribution plans provide at least one paper benefit statement annually unless participants opt for electronic delivery. The proposed rule, now under OMB review, will clarify future disclosure standards and timing requirements.

Read our latest blog to learn how this development could impact your plan administration.

Nearly 4 in 10 participants stick with their plan’s default contribution rate, meaning the default doesn’t just start the savings journey, it often defines it. This blog explores how smarter plan design and hands-on guidance can nudge employees “beyond the default” toward stronger retirement readiness.
Explore practical strategies to optimize your plan design and support participant outcomes in our latest blog.

Massive daily market swings, some topping $100 billion in value, are becoming increasingly common, especially among large tech firms. While these movements can create anxiety, they rarely warrant changes to long-term retirement strategies.
Clear communication and a focus on diversification can help participants stay grounded amid market volatility.

The IRS has increased 401(k) contribution limits for 2026, giving savers more opportunity to boost their retirement balances. Even small percentage increases can add up significantly over time—especially with the help of employer matches and catch-up contributions.

See what’s changing and explore simple ways to make the most of higher limits in our latest blog.