Refresh Your 401(k) Strategy for 2026

Is Your Retirement Plan Competitive, Compliant, and Built for Your Team? 

Your company’s 401(k) plan should evolve as your business and workforce do. As you plan for 2026, it’s important to review the structure, performance and cost of your retirement plan to make sure it still aligns with your goals—and supports your employees’ futures. 

Each year, plan sponsors receive a required fee notice. This is your opportunity to confirm that your plan remains cost-effective and well-documented. Reviewing your investment lineup is equally important, as fund performance shifts over time. Updating your available options helps keep your plan strong, diversified and responsive to market changes. 

Your plan’s overall health can also tell you when it’s time for a refresh. Participation levels, withdrawal trends and performance metrics offer insights into how employees are engaging with their benefits and whether adjustments may be needed to better meet their needs. 

Recent regulatory changes have introduced new requirements and opportunities, including automatic enrollment for new plans, expanded eligibility for part-time employees and optional student loan matching for employers looking to offer enhanced benefits. 

A well-structured 401(k) plan not only protects your business. It helps attract and retain talent by offering meaningful long-term value. Our team is here to help you evaluate your current plan, understand new requirements and strengthen your benefits for 2026.