--- title: The Fiduciary Focus Blog | ERISA Compliance description: ERISA Compliance | Fiduciary Focus specializes in relevant topics for 401(k) & 403(b) Plan Sponsors with a specific focus on improving plan governance, reducing costs and improving investment plan menus. --- [![](https://blog.guidancepointrs.com/hs-fs/hubfs/images/download.png?width=750&height=228&name=download.png "download.png")](http://www.guidancepointrs.com/) Search [Blog](https://blog.guidancepointrs.com) Request a call - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Resources](http://www.guidancepointrs.com/resources/) - [Pricing](http://www.guidancepointrs.com/pricing/) [(207) 358-3099](tel:+(207)%20358-3099) - [Home](https://www.guidancepointrs.com) - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Pricing](http://www.guidancepointrs.com/pricing/) Search [Fiduciary Focus A Blog for Retirement Plans](https://blog.guidancepointrs.com) Request a call # If you have any questions or comments for Guidance Point, please fill out the form below and a representative will respond to you within two business days. Guidance Point values your privacy. For more information, view our Privacy Policy. REQUIRED FIELDS ARE INDICATED BY AN ASTERISK (\*). # The Fiduciary Focus Blog [![](https://blog.guidancepointrs.com/hubfs/SECURE%20Act%20Guaranteed%20Retirement%20Income.jpg)](https://blog.guidancepointrs.com/how-the-secure-act-impacts-guaranteed-retirement-income-in-retirement-plans) ## [How the SECURE Act Impacts Guaranteed Retirement Income in Retirement Plans](https://blog.guidancepointrs.com/how-the-secure-act-impacts-guaranteed-retirement-income-in-retirement-plans) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 31 January, 2020 Our plan sponsor clients have been calling our team with increased frequency due to the passing of the SECURE Act (Setting Every Community Up for Retirement Enhancement Act of 2019). The biggest ... [Read More](https://blog.guidancepointrs.com/how-the-secure-act-impacts-guaranteed-retirement-income-in-retirement-plans) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/ESG%20Investing%20-%20Does%20It%20Belong%20In%20Your%20Retirement%20Plan%20Menu.png)](https://blog.guidancepointrs.com/esg-investing-does-it-belong-in-your-retirement-plan-menu) ## [ESG Investing: Does it belong in your Retirement Plan Menu?](https://blog.guidancepointrs.com/esg-investing-does-it-belong-in-your-retirement-plan-menu) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 03 April, 2018 A question, or maybe even a demand, that we've been receiving more and more from our Retirement Plan Committees and their participants has been "Are there any Socially Responsible funds in our ... [Read More](https://blog.guidancepointrs.com/esg-investing-does-it-belong-in-your-retirement-plan-menu) [![](https://blog.guidancepointrs.com/hubfs/Bad%20Fits.png)](https://blog.guidancepointrs.com/bad-fits-for-guidance-point-retirement-services) ## [Guidance Point Retirement Services: Bad Fits](https://blog.guidancepointrs.com/bad-fits-for-guidance-point-retirement-services) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 25 May, 2017 Who should we not work with at Guidance Point Retirement Services? What types of clients would we describe as "bad fits"? This is a question that we receive from time to time from our prospects. It’s ... [Read More](https://blog.guidancepointrs.com/bad-fits-for-guidance-point-retirement-services) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/who%20pays%20the%20retirement%20plan%20fees.png)](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) ## [Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 19 May, 2017 Who pays the retirement plan fees? Should the plan sponsor pay? What about the participant? Maybe a mix of both? These questions are core to how our consultants help retirement plan committees ... [Read More](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/IRS%20403%28b%29%20Plan%20Audits.png)](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) ## [IRS 403(b) Plan Audits: Top Areas of Focus](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 02 February, 2017 Organizations that sponsor a 403(b) plan intend to manage the plan in a compliant manner, but due to the level of complexity of today's retirement plan it can be an overwhelming feat to do so. In ... [Read More](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/the%20question%20no%20one%20asks%20about%20stable%20value%20funds.png)](https://blog.guidancepointrs.com/the-one-question-no-one-asks-about-stable-value-funds) ## [The Question No One Asks About Stable Value Funds](https://blog.guidancepointrs.com/the-one-question-no-one-asks-about-stable-value-funds) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 30 November, 2016 57% of 401(k) and 403(b) retirement plans offered a stable value or investment contract fund to participants in 2015, and 19% of participants offered this investment actually utilized the fund in ... [Read More](https://blog.guidancepointrs.com/the-one-question-no-one-asks-about-stable-value-funds) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/erisa_compliance_checklist.jpg)](https://blog.guidancepointrs.com/the-3-questions-an-erisa-compliance-checklist-will-answer) ## [The 3 Questions an ERISA Compliance Checklist Will Answer](https://blog.guidancepointrs.com/the-3-questions-an-erisa-compliance-checklist-will-answer) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 07 November, 2016 For the fiscal year ending September 2013, the Department of Labor (DOL) closed 3,677 investigations on defined contribution retirement plans. Of that amount, 775 (21%) were triggered by participant ... 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