CONTENTS APRIL - MAY 2022 2 | INSIGHTS 4 | INDUSTRY ANALYSIS Hitting the Books 6 | RULES & REGULATIONS Excess Fee Claims Are Often 'Bogus'; plus More From Washington and the Courts 10 | UPFRONT How to Streamline the Investment Menu To Set Correct Plan Goals, Know Your Staff 'Distribution Planning Needs Improvement' Participants Pose Challenges to PRTs A Bad Rap Undeserved PLAN DESIGN ISSUE COVER STORY 18 | The DE&I Lens How to adjust a retirement plan for diversity, equity and inclusion. 2022 PLANSPONSOR BEST IN CLASS 401(k) PLANS 22 | By Design Much more than just 'auto'-features go into building a Best in Class plan. BEHAVIORAL FINANCE 28 | Things People Do How behavior informs participant engagement in the retirement plan. LEAKAGE 32 | Leakproof Your Plan How to stop participants from draining their retirement savings. ESG 34 | The ESG Decision Plan sponsors have several options for offering sustainable investments. POST-RETIREMENT 36 | When Retirees Stay in the Plan Both employers and participants will discover benefits. PLANSPONSOR.COM April - May 2022 1 38 | FIDUCIARY FORUM Creating Health and Wealth Committees ERISA governs more than just retirement plans. 39 | INSIDE ANGLE Opposition To Digital Assets The DOL casts a shadow on cryptocurrencies in DC plans. 40 | PLAN PROFILE A Life Cycle of Benefits This sponsor provides for employees from their onboarding to their retiring.http://www.PLANSPONSOR.COM