CONTENTS FEBRUARY - MARCH 2022 2 | INSIGHTS 4 | INDUSTRY ANALYSIS What They Need 6 | RULES & REGULATIONS Hughes v. Northwestern Ruling; plus More From Washington and the Courts PARTICIPANTS SPECIAL ISSUE COVER STORY 18 | Let's Talk How to craft multilingual plan materials to draw in each participant. ROLLOVERS 22 | Let It Grow All may have better outcomes if participants' assets stay qualified. PHASED RETIREMENT 26 | When Workers Retire in Stages A phased retirement program-formal or informal-allows for smooth transitions. EDUCATION 30 | Virtual Lessons Learned The success of online meetings has surprised sponsors and advisers alike. INVESTMENTS 32 | Managed Accounts, Today The strategy has grown increasingly viable for use in DC plans. WELLNESS 34 | How 'Well' Is 'Well' Enough? Keys to designing an effective-customized-financial wellness program. PLAN DESIGN 36 | Differentiation by Income Keep low-income earners in mind when designing a plan. PLANSPONSOR.COM February - March 2022 1 10 | UPFRONT DB Design Helps Build DC Lifetime Income Income Projections Coming Soon Planning for the Cost of Health Benefits A 'Snapshot' of Updated Hardship Rules 38 | FIDUCIARY FORUM Legal Relief? School is in session, but class actions may be 'out.' 39 | INSIDE ANGLE The Next Chapter The DOL is back in court over the fiduciary rule. 40 | PLAN PROFILE Personalized Support A concierge-style wellness program is introduced to engage participants.http://www.PLANSPONSOR.COM