Contents OCTOBER 2017 2 | Insights 4 | Issue Intro 6 | Survey Says Do 'Gig' Workers Get Benefits? 8 | TDF Analysis Equity Exposure In TDFs 10 | Plan Analysis Employer Generosity Grows 12 | Compliance Update COVER STORY 22 | Moving Money The role of the plan sponsor in participant account preservation. RESEARCH 30 | 403(b)/457 Buyer's Guide Emerging From the Frenzy: 403(b) plan providers and sponsors move forward. THE BOTTOM LINE 38 | Best Practices for the IPS Investment policy statements should reflect DC plan realities. DB FOCUS 40 | The Middle Ground Factor investing blends active and passive management styles. 403(b) Q&A 42 | Questions, Answered Defaulted loans; SCOTUS on church plans; non-eligible investments. PS COACH 44 | Navigating RMDs Sponsors need to know the required minimum distribution rules. 46 | ERISA Examination Options for Investment Help Two main ways to get fiduciary advice. 47 | Saxon Angle Distinctions Persist Lawsuits overlook differences between 401(k)s and 403(b)s. 48 | Plan Profile Helping to Meet Participants' Goals A plan sponsor's 'Small Steps' campaign aims for increased deferrals and savings. 14 | Upfront Millennials Face Gender Challenges How More Retirees Could Affect Investment Returns Children's Impact on Retirement Security Cost of Benefits for an Employer Public Sector Employees Choose DB Over DC The Dramatic Change in Participant Investing Older Workers Not Saving Enough Reversing the Search Most Participants Short on Savings Advice Millennials' Individual Responsibilities PLANSPONSOR.com October 2017 1http://www.PLANSPONSOR.com