CONTENTS NOVEMBER - DECEMBER 2023 COVER STORY 16 | A Cost-Conscious Approach Watching every plan expense to achieve the optimal result. 2 | INSIGHTS 4 | PARTICIPANT ANALYSIS Age Matters. 2023 PLANSPONSOR 403(b) SURVEY 20 | Exploring the Choices Options that simplify the running of a non-ERISA 403(b) plan. AWARDS 24 | 2023 PLANSPONSOR Service Stars We present 3 individuals and 6 teams ... as our 2023 PLANSPONSOR Service Stars. CONFERENCE COVERAGE 28 | PLANSPONSOR Roadmap Highlights from the 2024 Retirement Plan Administration virtual event. FINANCIAL WELLNESS 32 | A Thorny Issue Participants need to prepare for surprise expenses in retirement. INVESTMENTS 34 | Take Under Advisement Menus must meet fiduciary standards while serving participants' needs. PLAN ADMINISTRATION 36 | A Repair Guide for Errors Common administrative errors can be easy to miss-here's how to fix some . 6 | RULES & REGULATIONS From Washington and the Courts 10 | UPFRONT How to Prepare for a Breach Closing the Gender Savings Gap Growth-Asset Needs Of Pre-Retirees How Are Small-Plan ParticipantCounting Rules Changing? 38 | FIDUCIARY FORUM Annual Notice Season Some of these documents are legally required and should be reviewed. 39 | INSIDE ANGLE An Influential Opinion The DOL's recent advisory opinion may yield far-reaching opportunities. 40 | PLAN PROFILE A Focus on Wellness Hendrick Motorsports, 2018 winner Corporate 401(k) >$50mm - $100mm. PLANSPONSOR.COM November - December 2023 1http://www.PLANSPONSOR.COM