Contents OCTOBER-NOVEMBER 2018 4 | Insights 6 | Issue Intro 10 | Compliance Update 12 | Industry Analysis The Complete Picture 16 | Survey Says Paying Down Debt Or Saving for Retirement? COVER STORY 34 | Looking Closer Don't miss these less obvious variables for improving retirement readiness. RESEARCH 40 | 2018 DC Survey: Plan Benchmarking Rising Above: Plan sponsors are increasingly interested in financial wellness and confident that employees will meet retirement goals. FEATURE 54 | Operational Loan Failures Why they occur, and how to fix them if they do. RUNNING THE FUND 58 | Looking Beyond Performance A single path can be risky when selecting funds. INVESTMENT FOCUS 62 | Staying Ahead of Inflation When current assumptions may not be enough. DB FOCUS 64 | Private Market Investing The programs can be overwhelming without specialized knowledge. BEHAVIORAL FINANCE 66 | Income Disruptions Getting workers back to saving for retirement. PS COACH 68 | Easy Access Plan documents are a sponsor's No. 1 resource. 2 PLANSPONSOR.com October-November 2018 70 | ERISA Examination What Does the Plan Say? Understanding the documents is key. 71 | Saxon Angle Handling Abandoned Plans The QTA program is in dire need of amendment. 72 | Plan Profile Fee Transparency A KSOP plan sponsor eliminates revenue sharing. 22 | Upfront Missing Participants Fare Better Than Those Cashing Out Why Should Participants Save 15%? A Middle-Class Nightmare Act Wisely During Various Market Cycles Demand Grows for OCIO Services Selecting an HSA Investment Lineuphttp://www.plansponsordigital.com/plansponsor/october-november_2018/TrackLink.action?pageName=2&exitLink=http%3A%2F%2FPLANSPONSOR.com