From 401(k) to Radish: The Evolution of Retirement Plans and the Future of Incentivized Savings
Date: July 24, 2025
Time: 2:00 pm - 3:00 pm EST
This webinar provides a historical and forward-looking exploration of the 401(k) retirement plan and modern developments aimed at increasing access and engagement. The content will cover the 401(k)’s origins, early implementation challenges, and the evolution of investment options, participant experience, and plan administration. It will then shift gears to explore a new savings vehicle — the Radish Incentive Plan — and the role of technology in expanding access and streamlining operations.
This session will help fiduciaries understand how past policy and design decisions shaped current plan structures and how emerging solutions can address gaps in access, engagement, and administration.
By the end of the session, attendees will be able to:
- Describe the legislative and regulatory origins of Section 401(k), including its intended purpose and early implementation challenges.
- Explain how early 401(k) plan designs evolved in terms of investment options, participant engagement, and fee structures.
- Evaluate how the expansion of investment options and the entrance of mutual fund companies impacted fiduciary responsibilities for monitoring, selection, and participant education.
- Identify technological innovations and plan design alternatives (e.g., Radish Incentive Plan) that aim to expand plan access and simplify fiduciary operations.
- Analyze the benefits of integrating with employers’ systems of record, such as HR systems, to manage participant data and customize automatic employer contributions.
This live webinar is currently pending approval for one (1) hour of Continuing Education (CE) credit for Fi360, CFP Board, and IWI Designations.
