The tax-deferred status of traditional defined contribution plans is clearly on the table -- which is why Cerulli is recommending that record-keepers and consultants prepare a preemptive plan.

Employer advocates and the financial services industry argue Rothification would harm workers' efforts to save for retirement -- but one industry expert says that argument, at least in the case of asset managers, is a red herring.

Andy Slavitt, former administrator of the federal Centers for Medicare and Medicaid Services, descibes actions that could result in a successful enrollment period.

Most Americans don't understand their health insurance plans but HSAs help.