Contents AUGUST-SEPTEMBER 2019 2 | Insights 4 | Issue Intro 6 | Survey Says The SECURE Act and Income Adequacy 8 | Plan Analysis Does Match Frequency Matter? 10 | Rules & Regulations Court Rules on 'Actual Knowledge'; plus From Washington and the Courts COVER STORY 24 | Reality Check When planning for retirement, participants have more to consider than meets the eye. RESEARCH 30 | 2019 PLANSPONSOR Target-Date Fund Survey On Target: A preponderance of target-date fund strategies emphasize the need for an evaluation process. 40 | 2019 PLANSPONSOR Participant Survey Capturing Their Voices: Participants provide valuable insights for plan sponsors. FEATURE 46 | 2019 PLANSPONSOR National Conference Highlights from our 14th annual gathering. INVESTMENT FOCUS 56 | Opportunities Grow Sponsors increasingly offer services aimed at 'retirement income.' DB FOCUS 58 | Real Estate Has Been a Haven Experts say it may be time to move out. PS COACH 60 | Health Savings Strategies FSAs, HSAs and HRAs differ-but how? PLANSPONSOR.com August - September 2019 1 14 | Upfront Actively Managed ESG Funds Self-Correcting the Inevitable Mistakes Fewer Workers Name Beneficiaries Hardship Withdrawal Rules Get Updated Proactive vs. Hands-Off Merger Increases Range Of Services Remedies for a Retirement Crisis? 62 | ERISA Examination 'Compensation' as a Plan Term What sponsors include, or exclude, can lead to big problems 63 | Inside Angle Final 'MEP' Regs at Last Which employers may sponsor MEPs? 64 | Plan Profile A Route to Better Outcomes This plan sponsor focuses on participant wellness.http://www.plansponsordigital.com/plansponsor/august-september_2019/TrackLink.action?pageName=1&exitLink=http%3A%2F%2FPLANSPONSOR.com