Nothing Doing?

Most of us are kept pretty busy just keeping up with the day-to-day demands of retirement plan administration: ­getting people into the plan, helping them make respectable investment decisions, and trying to keep an eye on fees, while also making sure that all the nondiscrimination tests are adhered to properly. We all know that, sooner or later, those programs are expected to produce and/or provide retirement income, and there is a growing sense that the best way to help participants make good retirement-income decisions is to bring those decisions into the workplace retirement-planning process.