CONTENTS FEBRUARY-MARCH 2021 2 | INSIGHTS 4 | RULES & REGULATIONS Plan Operational KnowHow, 2021; plus More From Washington and the Courts PLAN DESIGN SPECIAL ISSUE COVER STORY 14 | Service for a Crowd Plan design changes that can boost retirement outcomes across demographics. AWARDS 20 | 2020 PLANSPONSOR Best in Class 401(k) Plans The Road Less Traveled: A plan's path to peak status can start with a few simple steps. COMPLIANCE 26 | Shelter From a Storm Being a safe harbor plan could protect it from turbulence. DEFINED BENEFITS 28 | From Volatility to Stability Nontraditional DB plans lessen sponsor risk while guaranteeing income. INVESTMENTS 32 | Are Annuities Good for All? Sponsors should consider each case from every angle. EDUCATION 34 | Regrowth Factor Sponsors must restore savers' confidence, to help rebuild their accounts. PLAN ASSETS 36 | When 'Herding' Helps Amassing all prior-plan assets in one's new plan aids the saver and plan. PLANSPONSOR.COM February - March 2021 1 8 | UPFRONT Do Traditional LDI Strategies Still Work? Senator Portman Eyes Final Reforms Black Americans Form New Financial Habits Due to COVID-19 Multiple Ways to Glide to the Finish HSAs and 401(k)s Vie for Contributions 38 | ERISA EXAMINATION Record Keeping A document retention policy can guard against future claims. 39 | INSIDE ANGLE Missing Participants Do new DOL best practices deliver on plan sponsors' requests? 40 | PLAN PROFILE Generous Means To an End This plan sponsor's perk helps employees get free of student debt.http://www.PLANSPONSOR.COM