401(k) Providers

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It's hard for 401(k) sponsors to get it right these days. On one hand, getting employees to participate in defined-contribution plans can be like pulling teeth. On the other, some employees are rising up in high-profile lawsuits to protest minutiae like the web of fees associated with mutual funds.

This year, we tackle both sides of the problem in our annual look at 401(k) trends. "Sea Change" looks at how employers are dummy-proofing their plans along the lines of the pension-plan model (without the funding, of course). Besides automatic enrollment, more companies now are offering employees better options for advice on how to allocate their funds, as well as the option to outsource the decisions altogether. They are also increasingly enhancing their target-date fund offerings for those who choose to make no decision.

In "Cracking Down on Fees," we look at how employers can take advantage of the firestorm around mutual-fund fees, ahead of new rules mandating additional disclosure expected out of both Congress and the Department of Labor. For one, administrative fees are more negotiable than ever as a result of increased transparency. Employers can also find ways to save on management fees — an increasing number are turning to alternative (and generally cheaper) structures known as collective trusts.

To see the results of our 2010 401(k) Providers Survey, go to the box at the bottom right-hand corner of this page.

Sea Change
Companies now play a much more active role in guiding employees' 401(k) investment decisions.
Cracking Down on Fees
As legislation looms, companies can take steps now to help employees build bigger nest eggs.

401(k) Contributions Are Back
More and more companies are reinstating suspended 401(k) matches.
A Question of Balance
The much-maligned 401(k) plan is being beefed up. So are the penalties for failing to manage it well.
Retirement Roulette
As corporate finance experts hand off more responsibility for retirement to individual employees, the number of big winners and losers among those employees is growing.
Are Target Funds on Target?
The "simple" investment option may be more complicated than you think.
The stock-market meltdown has dealt a crushing blow to retirement plans. Brace for repercussions.

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401(K) BUYER'S GUIDE, 2010

Complete survey results are available below in an Excel spreadsheet, with an addendum offered in PDF format. If you'd like to download these files and you're not a member of CFO.com, we'll need an email address, user name, and password.

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Survey Results, Companies A–Z (Excel spreadsheet)

Addendum, Companies A–Z (PDF)