Lost at Sea – ERISA safe harbors expose participants to increased risk

Dan Long, DoubleLine

Andy Larson, Retirement Learning Center

January 21, 2021

Popular ERISA features inadvertently expose participants to increased levels of investment risk and retirement insecurity. In addition, investment defaults, commonly known as QDIAs, have promoted a one-size-fits-all investment approach. This presentation explores how this situation evolved and the importance of changing this mind-set and trajectory. Next, we explore alternatives available to provide plan participants the support and direction needed to ensure appropriate retirement income planning and investment decision-making. Lastly, we look at the steps plan committees can take to assess and implement these solutions.

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