CONTENTS APRIL-MAY 2021 2 | INSIGHTS 4 | INDUSTRY ANALYSIS 6 | RULES & REGULATIONS The DOL Takes on Cybercrime; plus More From Washington and The Courts TOTAL BENEFITS SPECIAL ISSUE COVER STORY 16 | Ready Solution? Sponsors have been hesitant to offer them, and participants don't understand them, but income options are getting a fresh look. HSAs 22 | Tiptop Health Savings Accounts How to utilize design, metrics and education to improve employee engagement in HSAs. RESEARCH 28 | 2021 Defined Benefit Administration Survey: Shedding Light on DB Plans Data uncover the growing popularity of the cash balance type. TOTAL RETIREMENT OFFERING 32 | How TRO Might Benefit Plans Administrative efficiencies and cost of services are just 2 advantages. PARTICIPANTS 34 | By Popular Demand Employers up their voluntary benefits-at little cost to themselves. WELLNESS 36 | What's the ROI? Analyze your wellness program's effectiveness, to better serve employees. 10 | UPFRONT What to Look for In an SDBA Plan Nuances of EmployerSponsored Plans The Financial Wake of COVID-19 Near-Retirees Baffled By Social Security Benefits Managing Risk In DC Plans Prudence and Loyalty Under ERISA 38 | FIDUCIARY FORUM DOL Investigations What to do if the Department of Labor calls. 39 | INSIDE ANGLE A DOL Download Cybersecurity guidance for plan sponsors, providers and participants. 40 | PLAN PROFILE Handled With Care This sponsor focuses on its truck driver employees' future and security. PLANSPONSOR.COM April - May 2021 1http://www.PLANSPONSOR.COM