A new year is here, so what are some 2026 predictions for plan sponsors?
There is an ever-changing landscape and 2026 will surely continue to drive forward that change.
Here are some trends we think plan sponsors will see in the new year.
Legislation: We think the Department of Labor will continue to release new rules and guidelines for defined contribution plans – meaning plan sponsors could be able to offer alternatives. There could also be a shift in not only how people accumulate wealth – but how they decumulate it as the population ages and more and more Boomers and Gen X workers retire. There could also be more changes to SECURE 3.0 and beyond, with new bills coming that will set retirement policy going forward.
Be sure to pay attention to Saver’s Match, a provision that should see greater discussion in 2026. This new federal incentive is set to replace the IRS Saver’s Credit in 2027 and allows the government to directly deposit matching contributions – for those who qualify – into eligible retirement accounts.
Litigation: There are some pending court cases that could be resolved this year, possible prompting changes for plan sponsors. However, the current administration is expected to support plan sponsors so there are many things to watch and consider.
There will also be more scrutiny on interest rates, which have risen over the last few years, which could bring additional litigation.
- Other things to watch: AI continues to push into the retirement investment industry and we expect there will be more usage in 2026, including for more personalized retirement communications and guidance.
This means plan sponsors can be more efficient and responsive to investors. This could lead to more personalized investment solutions – especially for smaller employers.
Heading into 2026, plan sponsors need to be proactive and informed. Its time to review your strategy and consider possibly outsourcing some of your responsibilities – especially if technology and AI aren’t your forte.
Do you still have questions about retirement planning options?
Follow us on LinkedIn and Facebook!
If you have other questions about retirement plan loans, email us or call 937.308.0758.
Recent Comments