Contents COVER STORY 22 | Asset Consolidation Facilitating participant roll-ins allows for a realistic view of retirement savings. FEATURE 26 | 2019 Plan Sponsor of the Year Finalists Finalists in 10 categories of plans: five segments of corporate 401(k); two segments of nonprofit DC; public DC; public DB; and TRO. RESEARCH 42 | 2019 Best in Class 401(k) Plans Plans of Strength: It takes hard work and focus to build and maintain superior 401(k) plans, as this year's Best in Class list shows. DB FOCUS 54 | Systematic Income Infrastructure stands firm despite the economics. INVESTMENT FOCUS 56 | The Best of Both Worlds Multi-asset funds have more ways to react to a dynamic market environment. RUNNING THE FUND 58 | Plan Defense Delegating tasks to a 3(16) administrator can keep a plan 'clean.' FINANCIAL WELLNESS 60 | Picture Yourself Behavioral strategies to make that future time seem more real. 62 | ERISA Examination Prohibited Transactions A Rolex watch vs. a phone charger. 63 | Inside Angle Cybersecurity Risks Increase Providers introduce guarantees. 64 | Plan Profile Student Loan Repayments A plan sponsor offers a benefit that helps ease financial stress. FEBRUARY-MARCH 2019 4 | Insights 6 | Issue Intro 8 | Survey Says Education for Plan Committee Members 9 | Industry Analysis DC Metrics by Industry 10 | Rules & Regulations Rule Could Increase Plan Leakage, plus From Washington and the Courts 14 | Upfront Updating Policies to Discourage Loans DC Plans Are Slow to Adopt Hybrid QDIAs Embracing ESG TDFs The Effect of Market Volatility On Millennial Nest Eggs DC Plan Averages Don't Tell The Whole Story The Inventor of Index Funds Dies Speaking the Same Language 2 PLANSPONSOR.com February - March 2019http://www.plansponsordigital.com/plansponsor/february-march_2019/TrackLink.action?pageName=2&exitLink=http%3A%2F%2FPLANSPONSOR.com