
Cover Story
2019 PLANSPONSOR Retirement Plan Adviser of the Year
What makes a great retirement plan adviser? As the 2019 PLANSPONSOR Retirement Plan Adviser of the Year finalists so successfully prove, the great professionals in this field have a commitment to driving excellent retirement plan design and outcomes for their plan sponsor clients and participants.

Editor’s Letter
If I Had a Million Dollars
Thanks to the power of automatic enrollment, it is possible for particiants to amass $1 million in a 401(k) or other retirement plan.

Intro
Plan Focus
Data Points
The Best of the Best
Announcing the 2019 PLANSPONSOR Retirement Plan Adviser of the Year
Maximizing Growth Potential
'Open MEP' legislation could boost the number of such plans well past 2,641
Managed Accounts as the QDIA
Advisers make a difference in some cases, but not all

Compliance News
Legislative and Judicial Actions
Fiduciaries Get Final Win in Disney SuitA federal appellate court has affirmed a lower court decision in a lawsuit against Fidelity Management Trust Co. as a fiduciary to the...

Trendspotting
Trendspotting
Greater Access to DC Plans
Open MEPs and FinTech make plans more available
State-Based Fiduciary Standards
Some legislators and regulators act to fill a perceived void

Trendspotting
Trendspotting
Succession Planning Comes to the Fore
Mergers and acquisitions drive the trend
Advisers Unfamiliar With Smart Beta
Embracing factor-based funds could help advisers fine-tune portfolios

Trendspotting
Trendspotting
Trendspotting
Talking Points
Female Gen Xers at Risk
The singles in that group trail Generation X and Boomers in savings
Familial Caregiving Affects Many
Experts advise making financial plans before they are needed
Digital Communication Design
The user experience can help decisionmaking
Talking Points
Trends and concerns among retirement plan participants

Servicing Strategies
Coaching the Committee
What advisers should ensure that members understand

Investment-Oriented
The Role of Alternatives
These asset classes can soothe the effects of market volatility.

Practice Management
Buyer Beware!
There’s no such thing as standard adviser E&O insurance.

Beyond (k)
When Savers Exceed the Limit
Strategies to help highly paid employees raise their income replacement ratio.

Fiduciary Fitness
An IPS Is Not Required
But there’s no good reason for a plan not to have one.

ERISA vista
Are Personal Advisers ERISA Fiduciaries?
Maybe yes, if advising about a 401(k).

Compliance Consult
Unrelated Taxable Income and Pensions
‘Tax Cuts’ act raises the tax on funds generating UBTI.