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PODCAST

Be More Than A Fiduciary

Serving as an ERISA fiduciary is not just an honor and a privilege; it is a profound responsibility intertwined with the essential qualities of stewardship, governance, and leadership. Eric Dyson, the Executive Director of 90 North Consulting, dedicates each week to engaging with individuals who are deeply committed to achieving excellence beyond the traditional fiduciary role. If you are a member of a retirement plan committee, a plan fiduciary, or an ERISA advisor genuinely dedicated to enhancing

business management

All Episodes

8:29

FF5 #80 - Custom Investment Benchmarks

Be More Than A Fiduciary ·

2025/10/24

In this episode of Friday Fiduciary Five, Eric Dyson talks about how custom benchmarks in target date funds can potentially create a false sense of success. He cautions that using a custom benchmark as the only benchmark to measure performance does not necessarily reflect strong performance if, for example, the underlying strategy is weak. Citing the CFA Institute and the Department of Labor, he stresses the importance of using independent and multiple benchmarks for accurate evaluation. He

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40:02

Justin Witz - Catapult HQ and the RFP Process

Be More Than A Fiduciary ·

2025/10/22

Justin, a seasoned U.S. Air Force veteran with extensive experience in Operation Iraqi Freedom and Enduring Freedom, is the Co-Founder and CEO of Catapult HQ, Inc. Catapult provides a flexible Request for Proposal (RFP) platform designed to serve multiple industries and project types, including RFPs, RFIs, RFQs, DDQs, Cybersecurity, Government, Healthcare, and more. Catapult enhances the RFx workflow for organizations worldwide, improving efficiency by over 90% and standardizing internal processes

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11:00

FF5 #79 - ERISA 3(21) v 3(38)

Be More Than A Fiduciary ·

2025/10/17

In this episode of Friday Fiduciary Five, Eric Dyson talks about the differences between ERISA 3(21) investment advisor and 3(38) investment manager arrangements in retirement plans. A 3(21) advisor provides investment advice but lacks discretion, while a 3(38) investment manager has discretion over fund selection. Eric emphasizes the importance of plan committees monitoring both types of advisors and maintaining an investment policy statement. He also highlights the need for clear communication and

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36:14

Donovan Ryckis & Brenda Kruse: ERISA Fiduciary...

Be More Than A Fiduciary ·

2025/10/15

Donovan Ryckis is the award-winning founder and CEO of Ethos Benefits, leading the charge in fiduciary-driven healthcare strategies for employers. A former Securities Advisor, he shifted from investment advising after uncovering inefficiencies in employer healthcare plans—achieving 40% savings for a client without reducing benefits. Alongside his wife and business partner, Chelsea, Donovan applies a fiduciary financial process to help organizations cut costs and improve outcomes.Brenda Kruse, CFO of

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6:31

FF5 #78 - ERISA Fiduciary Training

Be More Than A Fiduciary ·

2025/10/10

In this episode of Friday Fiduciary Five, Eric Dyson discusses the importance of ERISA fiduciary training for plan committee members and industry professionals. He announces the launch of a new training platform, which will offer SHRM professional development credits, CE for advisors with the fi 360 designation, and CFP certification. Eric emphasizes the need for regular, foundational fiduciary training, noting that those with the most responsibility and liability often have the least amount of

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7:09

FF5 #77 - ERISA Bond v Fiduciary Liability Insurance

Be More Than A Fiduciary ·

2025/09/19

In this episode of Friday Fiduciary Five, Eric Dyson talks about the differences between ERISA bonds and fiduciary liability insurance. ERISA bonds protect against fraud and theft, while fiduciary liability insurance covers fiduciary breaches. Eric emphasizes the importance of having both types of insurance, noting that ERISA bonds are required by the Department of Labor, while fiduciary liability insurance is not required, but is highly recommended. He advises that committees should ensure their

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3:38

FF5 #76 - A Cyber Risk That's Simple to Fix

Be More Than A Fiduciary ·

2025/09/12

In this episode of Friday Fiduciary Five, Eric Dyson talks about a common and easily fixable cybersecurity risk in retirement plans: participants who have not set up user IDs and passwords for their accounts. This oversight is the most frequent cause of cyber breaches, not the fault of plan sponsors or record keepers. Eric shares an anecdote about an employee discovering unauthorized 401(k) loan deductions, highlighting the importance of security measures like user IDs, passwords, and two-factor

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36:05

Ellen Alphonso: Employee Benefit Plan Audit Best...

Be More Than A Fiduciary ·

2025/09/10

Ellen Alphonso, CPA, is a Senior Manager at Boyum Barenscheer PLLP and a recognized expert in employee benefit plan audits, with extensive experience guiding plan sponsors through the complexities of employee benefit plan compliance. Licensed as a Certified Public Accountant in Minnesota, Ellen has led audits for retirement plans ranging from under $500,000 to over $5 billion in assets, offering a rare depth of insight across a wide spectrum of plan sizes and structures.Known for her collaborative

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8:36

FF5 #75 - McDonald v LabCorp Decision - Part 3

Be More Than A Fiduciary ·

2025/09/05

In this episode of Friday Fiduciary Five, Eric Dyson talks about the McDonald v LabCorp lawsuit, focusing on part three and float compensation. He recaps previous episodes on record-keeping fees and investment share classes. The court found the plan's fee monitoring process sufficient. Float income, earned on stale checks, is a plan asset under ERISA, and fiduciaries must ensure it's managed in participants' best interests. Eric advises plan fiduciaries to inquire about float income from record

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7:06

FF5 #74 - McDonald v LabCorp Decision - Part 2

Be More Than A Fiduciary ·

2025/08/29

In this episode of Friday Fiduciary Five, Eric Dyson talks about the McDonald v. LabCorp ERISA litigation, focusing on investment share classes and collective investment trusts. He highlights that institutional share classes offer lower costs, and LabCorp moved participants to these classes within a reasonable timeframe. Eric emphasizes the importance of exploring collective trusts for plans of all sizes, recommending a thorough analysis to determine eligibility and potential savings. He also

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29:51

Jonathan Lee: A CHRO's Perspective

Be More Than A Fiduciary ·

2025/08/27

As Vice President of Human Resources at Glazer’s Beer & Beverage, Jonathan collaborates with his GBB colleagues to establish, implement, and improve people strategies and processes.Prior to joining GBB, Jonathan held HR executive roles across various industries, spanning over 20 years. His previous roles include stops at M&M Manufacturing (a Berkshire Hathaway operating company), Southern Glazer’s Wine & Spirits, Lennox International, Carrier Enterprise, and Alliance Data (now Bread

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6:17

FF5 #73 - McDonald v Labcorp Decision Part 1

Be More Than A Fiduciary ·

2025/08/22

In this episode of Friday Fiduciary Five, Eric Dyson talks about the LabCorp case, focusing on record-keeping fees. Plaintiffs argued fees should be $20-$25 per person per year, while the plan completed RFIs in 2017, 2019, and benchmarked in 2021 and 2022. The court found the process met the standard of care, though some argue a competitive bid process might have been more effective. Eric emphasizes the importance of fiduciary duty in looking out for participants' best interests. He plans to cover

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31:54

Jenny Kiesewetter: Fiduciary Duty in Selecting Health...

Be More Than A Fiduciary ·

2025/08/20

Jenny Kiesewetter has more than 24 years of experience advising businesses in ERISA, employee benefits, compensation, fiduciary responsibility, and compliance matters.As a member of the firm’s Employee Benefits and Tax Practice in Nashville, she advises clients on all aspects of employee benefits and executive compensation, including qualified and nonqualified retirement plans, health and welfare benefit plans, cafeteria plans, severance plans, and equity-based compensation plans.Jenny has also

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11:39

FF5 #72 - Alternative Investments Executive Order

Be More Than A Fiduciary ·

2025/08/15

In this episode of Friday Fiduciary Five, Eric Dyson talks about the August 2025 Executive Order by President Trump on alternative investments in 401(k) plans. He references his article in 401(k) Specialist Magazine, Private Equity in 401(k) Plans: Policy Shift or Practical Reality?and the 90 North newsletter - Private Equity in 401(k) Plans: What Fiduciaries Must Know.The order does not mandate private equity inclusion but allows plan sponsors to consider it. Eric emphasizes the need for plan

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41:42

Tom Kmak: Benchmarking Managed Accounts

Be More Than A Fiduciary ·

2025/08/13

Tom Kmak is the co-founder and Chief Executive Officer of Fiduciary Decisions (FDI, formerly Fiduciary Benchmarks). During his 16 years with the firm, FDI has become the industry’s leading firm for benchmarking retirement plans using a patented approach that recognizes the mathematical truth that “Fees Without Value is a Meaningless Comparison.”Tom is pleased to say that FDI’s benchmarking service is used by 70% of the largest and most prestigious Recordkeepers as well as over 60% of the best

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8:34

FF5 #71 The Devil is in the Details - Part 2

Be More Than A Fiduciary ·

2025/08/08

In this episode of Friday Fiduciary Five, Eric Dyson discusses intricate details of retirement plan record-keeping fee structures, emphasizing the importance of understanding those details. He references a case where a plan with several hundred million dollars and thousands of participants decided to eliminate revenue sharing and conduct an advisor search. Eric explains the nuances of fee assessment, including the decision to charge participants on a per-head basis rather than an asset basis, and

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31:59

Nevin Adams: Default Income Solutions - Yea or Nay?

Be More Than A Fiduciary ·

2025/08/06

Now “retired” (whatever that means), Nevin is the former Chief Content Officer and Head of Retirement Research for the American Retirement Association. One of the retirement industry’s most prolific writers, these days he’s “retired”, which means he writes less, but continues to keep his eye on developments in, and threats to, the nation’s private retirement system. He’s the Chief Advisor Strategist at Endeavor Retirement, and he’s also the “Nevin” in the Nevin & Fred podcast (along with

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7:22

FF5 #70 - The Devil is in the Details - Part 1

Be More Than A Fiduciary ·

2025/08/01

In this episode of Friday Fiduciary Five, Eric Dyson discusses the importance of details in fiduciary work, referencing Admiral Hyman Rickover's saying, "The devil's in the details, but so is salvation." He explains his process of conducting advisor searches for plan sponsors, emphasizing the need to understand pricing models, particularly asset-based pricing. Eric highlights a case where a plan's participant count increased from 3,000 to 3,600, affecting the per head pricing whereas record keeper's

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29:20

Mike DiCenso - Non-Qualified Plans

Be More Than A Fiduciary ·

2025/07/30

Mike DiCenso is a seasoned professional in the retirement industry, carrying over three decades of rich experience. His expertise spans a broad range of competencies:Crafting visionary strategies and direction, marked by critical thinking and market leadership Proficient in practice management and mastering business metricsDemonstrated organizational leadership, with a focus on revenue, asset, and profit growthProven track record in sales and marketing leadership, formulating effective models, and

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9:54

FF5 #69 - What's Hot?

Be More Than A Fiduciary ·

2025/07/18

In this episode of the Friday Fiduciary Five, Eric Dyson discusses the current “Hot Topics” for ERISA plans. Leading the list is the Cunningham v. Cornell decision, which shifts the burden of proving exemptions in prohibited transactions to fiduciaries. Fee and forfeiture litigation remains active, with dozens of new cases this year. Health plan fiduciary risks—such as mental health parity rules and PBM transparency—are under increased scrutiny. SECURE 2.0 compliance, especially auto-enrollment and

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174 results

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