Contents 2 | Insights 4 | Issue Intro 6 | Survey Says Annuities and Lifetime Retirement Income 10 | Industry Analysis Loan Repayment Capabilities 12 | Plan Analysis Future Flows of DC Assets 14 | Compliance Update 18 | Upfront Helping With College Debt and Savings Many Miss Out on the Full Company Match Plan Sponsors' Fear vs. Participants' Favor Education Against Hardship Withdrawals TDF Fixed-Income Exposure More Sponsors Turn To Cash Balance Plans Cost Factors When Freezing Your Plan Sponsors Must Actively Manage the Aging Work Force Nonproprietary TDFs Gain Attention COVER STORY 26 | Harvesting the Right Facts and Figures In this age of " big data, " sponsors have the analytic tools at hand to make more informed decisions. BUYER'S GUIDE 32 | 2017 Target-Date Fund Buyer's Guide Considering TDF Approaches: The current role of strategic vs. tactical asset allocation in target-date funds. TOTAL BENEFITS 44 | Allocating Benefit Dollars Finding a balance when funding health and retirement plans. FINANCIAL WELLNESS 54 | ERISA Examination Minutes Essentials Drilling down to the procedural issues. 55 | Saxon Angle Tracking the Fiduciary Rule The long-term outlook is complicated. 56 | Plan Profile Fiduciary Management Model A plan sponsor is able to address its overall investment objectives. 47 | Keeping Money in the Plan Strategies for helping participants avoid loan default. INVESTMENT FOCUS 50 | Strategic Timing Innovation in managed accounts. RUNNING THE FUND 52 | Rothification of DC Plans Sponsors say this step would deter participation and lower savings rates. SEPTEMBER 2017 PLANSPONSOR.com September 2017 1http://www.PLANSPONSOR.com