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Brian Danos: Fee Benchmarking & AI in 401(k)s | Retireholics Analytics Table
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About Brian Danos: Fee Benchmarking & AI in 401(k)s | Retireholics
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Brian Danos joins JD Carlson to break down participant vs. employer-paid fee strategies, recordkeeper pricing tactics, and how AI is transforming 401(k) compliance documents. Essential insights for advisors navigating fee debates and modernizing plan administration. In this episode of Retireholics, Brian Danos dives deep into some of the thorniest issues facing 401(k) advisors today. We start with the ongoing fee debate: should participants or employers shoulder the cost? Brian walks through real recordkeeper pricing strategies and how to benchmark fees effectively in a competitive market. As compliance requirements evolve, we tackle the practical challenges of electronic delivery and notice requirements, plus best practices for communicating with terminated participants. But the real game-changer? Artificial intelligence's growing role in 401(k) administration. Brian explores how AI is reshaping legal documents, improving plan notices, and helping advisors create compliance materials that actually get read by participants. We also dig into the data challenges advisors face when working with recordkeepers, what's broken, what's fixable, and how to demand better tools. Whether you're a TPA, plan sponsor, recordkeeper, or independent advisor, this conversation covers the regulatory, operational, and strategic issues that keep 401(k) professionals up at night. Grab a cold one and tune in. CHAPTERS 0:00 Cold Open: Retireholics Intro 2:08 Welcoming Guest Brian Danos 11:22 Fee Debates: Participant vs Employer Paid 20:30 Record Keeper Pricing Strategies 26:33 Electronic Delivery and Notice Requirements 35:03 Terminated Participant Communications 46:59 Artificial Intelligence in 401k 54:12 AI's Impact on Legal Documents 1:00:16 Plan Notice: The Company Pitch 1:03:18 Data Challenges with Record Keepers 1:08:42 Making Compliance Documents Actually Useful 1:11:31 Wrap Up and Final Thoughts MORE FROM RETIREHOLICS Full episode notes & transcript: https://retireholics.com/episodes/brian-danos-retireholics/ All past episodes: https://retireholics.com/episodes/ Live every 1st & 3rd Thursday at 4:30pm PT: https://retireholics.com/live/ Get show reminders: https://retireholics.com/get-reminders/ SUBSCRIBE YouTube: https://www.youtube.com/c/Retireholiks Apple Podcasts: https://podcasts.apple.com/us/podcast/retireholics/id1490618217 Podbean: https://retireholiks.podbean.com/ Retireholics is the show changing the retirement industry one beer at a time. Hosted by JD Carlson and co-hosts, covering 401(k) plan design, fiduciary responsibility, fees, investments, and industry news for retirement plan advisors and professionals.
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