What the strongest 401(k) plans get right: 3 strategies for employers
Bernstein Private Wealth Management says benchmarking, pooled employer plans and lower-cost funds can lift returns and cut fees without raising employer contributions.
- As 401 plans have become primary savings vehicles, responsibility for retirement readiness has shifted decisively to employees, though only 37% believe they are on track for a comfortable retirement, Bernstein Private Wealth Management research reports.
- More than 60% of plans remain with the same record-keeper for eight years or longer, well beyond industry best practice of every three to five years, leaving sponsors missing cost-reduction opportunities.
- Pooled Employer Plans address this inefficiency by shifting fiduciary burdens to dedicated sponsors; assets now exceed $17 billion and cover more than 1 million employees, according to the Georgetown Center for Retirement Initiatives.
- Participating employers report internal time reductions of 50% to 75% through PEPs, while per-participant fees have fallen approximately 4% on average; Bernstein research shows a 1% return improvement yields nearly 25% more retirement savings.
- Modernizing investment structures offers further opportunity, as Collective Investment Trusts surpassed mutual funds as the dominant vehicle for target date strategies by the end of 2025, providing meaningfully lower expense ratios.
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What the strongest 401(k) plans get right: 3 strategies for employers
Bernstein Private Wealth Management reports that employers can enhance 401(k) plans by optimizing record-keeping, considering pooled employer plans, and modernizing investment options.
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