Contents COVER STORY 20 | Confronting Income Challenges Participants have multiple ways to translate amassed savings into income. RESEARCH 24 | 2018 DC Survey: Recordkeepers Perspective Matters: All recordkeepers can deliver exceptional service-but not all of their sponsor clients experience it. FEATURE 40 | Is Your QDIA Still a Good Fit? What to weigh when you measure the appropriateness of your choice. INVESTMENT FOCUS 44 | Making It Last Employees need to consider questions about saving and life expectancy. DB FOCUS 46 | An Expanded Platform Fixed income investors have several new options. PARTICIPANT ANALYSIS 48 | Fragmented Savings Many near-retirees have retirement savings spread across accounts. RUNNING THE FUND 50 | Let It Grow ESG is popular among younger workers but raises process questions. PS COACH 52 | Roth Conversions Time is a key factor in when-or whether-to convert assets. 54 | ERISA Examination Amending a Plan What do plan revisions entail? 55 | Saxon Angle Portability Clarified DOL issues welcome guidance on RCH services. 56 | Plan Profile Digital Engagement A plan sponsor improves participant engagement via web tools. DECEMBER 2018-JANUARY 2019 4 | Insights 6 | Issue Intro 8 | Survey Says 40th Anniversary Of the 401(k) 10 | Rules & Regulations Amendments Proposed For Hardship Withdrawal Regulations plus more news 13 | Plan Analysis A Critical Mass 14 | Upfront When a Part-Timer Is Hired Full Time 401(k) Turns the Big 4-0 Priorities for TDF Selection Annuities Favored by The Young Small Plans Can See Big Results Save While Paying Off Debt PLANSPONSOR.com December 2018 - January 2019 1http://www.plansponsordigital.com/plansponsor/december_2018-january_2019/TrackLink.action?pageName=1&exitLink=http%3A%2F%2FPLANSPONSOR.com