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9 improvements Congress should make to 401(k)s
The United States Capitol stands at sunrise in Washington, D.C., U.S., on Tuesday, Oct. 15, 2013. Senate leaders are poised to reach an agreement as early as today to bring a halt to the fiscal standoff, and now must race the clock to sell the plan to lawmakers before U.S. borrowing authority runs out this week. Photographer: Pete Marovich/Bloomberg via Getty Images
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1. Require the complete suite of “auto” features
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2. Require a QDIA in every plan
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3. Allow a higher Roth 401(k) contribution limit
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4. Every party with a signed contract is a fiduciary
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5. Increase HSA contribution limits
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6. Outlaw participant loans
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7. Require electronic notice distribution
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8. Get all company stock out of 401(k) plans
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9. Require use of R6 or similar share classes
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