CONTENTS DECEMBER 2019-JANUARY 2020 2 | INSIGHTS 4 | ISSUE INTRO 6 | PLAN ANALYSIS Breaking Ground On Student Debt 8 | RULES & REGULATIONS SECURE Act Passes; plus More From Washington and the Courts COVER STORY 14 | The Savings Hierarchy Participants must take stock of their options, to maximize savings. RESEARCH 18 | 2019 PLANSPONSOR Best in Class DC Providers The Best and the Brightest: Which plan providers outshine the rest? FEATURE 32 | On Their Own Terms Plan design can be rejiggered to better engage Millennials. INVESTMENT FOCUS 38 | HSA Investment Options A valuable way to grow savings for health care expenses. DB FOCUS 40 | Steady as It Goes Cash balance plans have benefits but require monitoring and foresight. WELLNESS STRATEGIES 42 | The Employer Component Sponsors have various options for contributing to employee wellness. 10 | UPFRONT Use of Annuities Is SECURE'd Participants' Cyber Self-Defense Time to Benchmark Your Adviser? 403(b) Form Fixes, Going Forward 44 | EXECUTIVE SUMMARY Low Interest Rates- The Downside How the current environment could hurt participants. 46 | ERISA EXAMINATION Monitoring Responsibility Delegators must periodically review the actions delegates take. 47 | INSIDE ANGLE A Leap Forward DOL proposes new electronic disclosure rules. 48 | PLAN PROFILE PTO Is Cash for Student Debt A sponsor lets workers turn their paid time off into loan payments. PLANSPONSOR.COM December 2019 - January 2020 1http://www.plansponsordigital.com/plansponsor/december-january_2020/TrackLink.action?pageName=1&exitLink=http%3A%2F%2FPLANSPONSOR.COM