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Saving for emergencies in addition to saving for retirement is important, and plan sponsors should recognize that many employees still like to speak to an actual person about their finances.
Their performance only matches that of TDFs for a certain age cohort, but there are other circumstances for which they might be considered a good QDIA fit.
The QPA pooled employer plan will be available nationwide for employers of all sizes that desire additional fiduciary protections and fewer plan administrative responsibilities.