Contents DECEMBER 2017-JANUARY 2018 2 | Insights 4 | Issue Intro 6 | Compliance Update 8 | Industry Analysis How Advisers Make Plan Decisions 9 | Plan Analysis Steady Growth 10 | Survey Says The Call of the Road COVER STORY 20 | A QDIA in Transition Participants are moved to a managed account as they draw closer to retirement. FEATURE 26 | An Unseen Challenge Can a nonqualified deferred compensation plan fill the savings gap for your highly compensated employees? INVESTMENT FOCUS 32 | Alternative Assets in TDFs They have compelling strengths, but are they worth the fees? DB FOCUS 34 | Active or Passive Strategies Smart beta can offer active management benefits for lower fees. TOTAL BENEFITS 36 | Boosting Employee Savings Voluntary benefits go above and beyond typical benefits offerings. PS COACH 42 | Selective Mining Extracting value from data points. BEHAVIORAL FINANCE 44 | Future Shock Millennials prioritize short-term financial goals over retirement saving. PLANSPONSOR.com December 2017-January 2018 1 12 | Upfront In-Plan Lifetime Income: DOL Approves Policy Recommendations For Small Plans Protecting Your Plan's Fiduciaries Up Close and Too Personal? 'Auto-Enrolling' Emergency Savings HDHP Participants As Better Consumers Retirees Spending Only About 1% of Assets 46 | ERISA Examination A Good Auditor These accountants are crucial in preventing plan errors. 47 | Saxon Angle DOL Investigations Knowing the process can lessen sponsors' concerns. 48 | Plan Profile Helping Employees Thrive A plan sponsor fosters healthy financial management habits.http://www.PLANSPONSOR.com