JANUARY 2026 NEWSLETTER
OMB Poised to Review Proposed Rule on Paper Statements and E-disclosures
The regulatory follow-through on SECURE 2.0’s paper-statement mandate is now entering its next stage. The 2022 law includes provisions affecting how benefit statements must be delivered. In general, defined contribution (DC) plans will be required to furnish participants with at least one paper benefit statement each year, unless they affirmatively elect electronic delivery, for plan years beginning after December 31, 2025. An additional provision directs the Department of Labor (DOL) to...
Savings Inertia: Moving Beyond the Default
New research has revealed some telling patterns in employee retirement plan contribution rates. According to PLANSPONSOR’s 2025 Participant Survey, nearly 4 in 10 participants said that – when choosing their rate – they simply stayed with the plan’s default setting.
What this means is that the default doesn’t always just start the retirement savings journey. For a significant portion of the workforce, it can...
The $100 Billion Swing Era – Managing Headline Overload
If you think capitalization swings are getting wider and more frequent, you may be right. By the end of October 2025, there were 119 instances of individual U.S. stocks (mainly large technology firms) moving by more than $100 billion in market cap in a single day this year, according to the International Business Times.
In 2025, there were only 42 such instances, and in 2020 there were fewer than 10. These dramatic single-day moves...