Commentary

Retirement plan litigation has demonstrated that fiduciary risk often reshapes behavior long before final rulings are issued.

Clients who are sure that life insurance needs end at 40 might think differently once they're 40.

Four new class action lawsuits filed in late December could significantly accelerate fiduciary duty enforcement for health and welfare plans offering voluntary benefits, placing advisors and brokers squarely in the litigation crosshairs.

As benefits professionals seek to optimize participant engagement and retirement readiness in 2026, they should consider how participants reacted to market trends in 2025.

Whether it’s through plan design, education or simple encouragement, HR teams play a vital role in helping employees stay on track. And based on what we’ve seen, they’re listening.

If you know, you know. If not, you'd better learn.