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Retirement Compass Picture

Plan Design | Participant Outcomes | Uncashed Checks | And More

According to the Bureau of Labor Statistics, only 50% of eligible employees participate in an employer-sponsored retirement plan!

The relatively free-range model of defined contribution plans has not worked. Thoughtful plan design can solve many of the behavioral aspects of employee decision-making. Today’s trends in plan design take key decisions out of employees’ hands. These next-generation defined contribution plans are putting automated processes in place to help employees achieve their financial goals.

If you prefer our printable PDF newsletter, we included it as an attachment to this article. As always, we hope you find our newsletter informative. We invite you to comment on and share this article.


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Spectrum Consultants is a multidisciplinary B2B consulting firm, which specializes in 401k administration, benefit plan outsourcing, business solutions, and management consulting.

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