Articles and Other Materials by David Wray
Delivering For Every Employee
Maximizing the bottom line.
November/December 2009
Social Security and 401(k)
Delivering a secure retirement.
September/October 2009
Flexibility Is Fundamental to a Voluntary System
PSCA opposes a mandated retirement plan design.
June/July 2009
PSCA: Stepping It Up In Challenging Times
New staff structure will help PSCA broaden member services.
May/April 2009
Believe in the Future, Believe in America
Believe in 401(k).
March/April 2009
PSCA’s Role in the Defined Contribution System’s Success
A unified voice.
January/February 2009
Here and There
Voluntary versus mandatory.
November/December 2008
Who's in control?
It's Their Money
September/October 2008
401(k) Success
It's not just about retirement.
July/August 2008
The Savings Escalator
There was an automatic in 401(k) before there was automatic enrollment.
May/June 2008
Small Plan Formation
It's time to level the playing field
March/April 2008
401(k) Fees 2007
A lot of hard work, but light at the end of the tunnel
January/February 2008
Sub-prime and 401(k)
Should plan sponsors take action?
November/December 2007
60 Years of PSCA
It’s about more than retirement
September/October 2007
Stop! No Legislative Changes for Five Years
Let’s see what we can do
July/August 2007
DC and DB — The Difference Is Responsibility, Not Risk
Participants need to know this difference
May/June 2007
Sense of the Senate Is Misleading
American workers have access to and are saving in defined contribution plans
March/April 2007
401(k): America’s Retirement System
Here come the microscopes
January/February 2007
2006 Is the Year
Defined contribution plans will be the future of employer-provided savings plans
November/December 2006
PSCA Succeeds Again
Right goals, focus, and persistence pay off
September/October 2006
Now More Than Ever in America It’s An Employer-Based Solution
Plan sponsors deserve recognition for their efforts
July/August 2006
Getting Young Workers to Save
It’s Not About Denial
May/June 2006
Retirement Savings: How Do We Know When We Are Making Progress?
We need to keep the focus on those who need our help the most
March/April 2006
Speaking Out for Employers
PSCA launches an aggressive media campaign
January/February 2006
Employee Savings In Defined Contribution Plans
There’s history here
November/December 2005
Retirement Annuities: Market-Based Solutions
New products tailored to the needs of retirees help plan participants adopt annuities as a form of retirement income management
September/October 2005
Branding Your Plan
Capitalizing on the Value of Plan Sponsorship
July/August 2005
Picking an Advisor
Using a Common Sense Approach
May/June 2005
Missing Participants and the Internet
Is What You Don't See Really Not There?
March/April 2005
PSCA Expands Member Benefits by Updating and Improving the Bimonthly Magazine
Design/format changes offer new perspectives on latest profit sharing, 401(k) plan information
January/February 2005
Fee disclosure
It's a win-win situation
November/December 2004
Structure to results
Where we had to be then, where we need to go now
September/October 2004
Making tomorrow different from today
Identifying change drivers
July/August 2004
Shutting down empowerment
Sponsors face challenge of communicating new 401(k) philosophy
May/June 2004
Written investment policy statement: Yes or no?
PSCA says yes
March/April 2004
Ethical behavior an obligation, not a regulation
Trust critical to 401(k)
January/February 2004
Retirement readiness
It's a process, not a number
November/December 2003
The long haul
401(k) plans can be instrumental in retaining and rewarding valuable employees
September/October 2003
It's not coverage - it's participation
Employers are a necessity in the transition
July/August 2003
PSCA in the news
May/June 2003
The real story
Success, even in hard times
March/April 2003
DC Plans
A primary source of retirement savings proposals will reduce their appeal
January/February 2003
Let's get the message out!
The 401(k) advantage
November/December 2002
The 401(k) secret weapon
Dollar-cost averaging can help reduce market uncertainty
September/October 2002
Time to put profit sharing back in plans?
Profit-based employer contributions vital part of DC system
July/August 2002
Recent media success
PSCA's role as authoritative voice makes a difference
May/June 2002
The Enron ripple effect
Shaking the confidence in the defined-contribution system
March/April 2002
Managing the transition
Plan participants nearing retirement must plan ahead to avoid excessive risk
January/February 2002
Think lump sum
Employees need a goal that's easily understood
November/December 2001
The need for a more realistic tax expenditure figure
Expenditure calculation threatens HR 1836's future
September/October 2001
Time to rename!
Addressing the lifestyle fund dilemma
July/August 2001
Keep retirees in the plan
Why retaining funds after retirement benefits all
May/June 2001
How 401(k) became a success
Trace the trends that made it possible
March/April 2001
Technology challenges
Privacy, security, compatibility and globalization
January/February 2001
From survival to success
Growth of DC assets changes "paycheck to paycheck" perspective
November/December 2000
Importance of a unified voice
Together, PSCA members provide powerful representation in the DC system
September/October 2000
Alert to small plans: You may be top heavy
In just four years a small company may violate top-heavy rules
July/August 2000
Rebalance funds for best results
Rebalancing may be the right response to market changes
May/June 2000
The expanding employer-employee partnership
The valuable role employers play will continue to increase
March/April 2000
Internet empowers employees
Information availability makes workers equal in employment relationship
January/February 2000
Federal regulations limit savings
Confusing system prevents maximum retirement security
November/December 1999
Retirement technology solutions
Accelerated changes in technology will revolutionize plans
September/October 1999
Measure results to prove worth of employee education
Help obtain funding and provide historical comparisons through measurement
July/August 1999
The future of profit sharing
A look at the past suggests where profit sharing is headed
May/June 1999
Should you offer investment advice?
Employee needs vs. company liability and cost
March/April 1999
Preventing bad legislation
The Emergi-Lite case leads to calls for unnecessary regulatory change
January/February 1999
Current 401(k) trends
The number of companies offering 401(k) plans is growing rapidly
November/December 1998
Invest long-term
Investments can withstand market volatility
September/October 1998
Preventing pre-retirement leakage of assets
Sponsors, providers and lawmakers must work together
July/August 1998
Today's economic success rooted in the 1980s
Tough decisions and sacrifices of the past yield benefits today
May/June 1998
History of profit sharing
From 1797 to the present
March/April 1998
The positive impact of equity investment
Increased stock ownership will have social, political and economic effects
January/February 1998
It Doesn't Get Any Better Than This
401(k) Plans Offer Employees Their Best Savings Option
March 1995
Demographic Dilemma
Are There Still Three Legs to the Retirement Stool?
September 1994
The 401(k)/Profit-Sharing Connection
A Synergistic Solution to Employee Motivation
September 1993
Empowerment Should Be More than Just Another Buzzword
February 1993
Don't Rely on Social Security for Retirement Security in 2035
December 1992
Value sharing
Reinventing the Employee Motivation Wheel
May 1992
Regulatory Time-Out
Revisiting the reasons employers share profits
February 1992
New Technology Paves the Way for More Creative Plan Administration
January 1991
Profit Sharing Can Speed Eastern Europe's Transition to a Free Enterprise Economy
April 1990
Policymakers Chase Phantoms as They Attempt to End Perceived Plan Abuse
January 1990
Stable Value’s 401(k) Future Is Brighter Than You Think
Benchmarking Success of Financial Participation Programs
Articles and Other Materials by David Wray
Delivering For Every Employee
Maximizing the bottom line.
November/December 2009
Social Security and 401(k)
Delivering a secure retirement.
September/October 2009
Flexibility Is Fundamental to a Voluntary System
PSCA opposes a mandated retirement plan design.
June/July 2009
PSCA: Stepping It Up In Challenging Times
New staff structure will help PSCA broaden member services.
May/April 2009
Believe in the Future, Believe in America
Believe in 401(k).
March/April 2009
PSCA’s Role in the Defined Contribution System’s Success
A unified voice.
January/February 2009
Here and There
Voluntary versus mandatory.
November/December 2008
Who's in control?
It's Their Money
September/October 2008
401(k) Success
It's not just about retirement.
July/August 2008
The Savings Escalator
There was an automatic in 401(k) before there was automatic enrollment.
May/June 2008
Small Plan Formation
It's time to level the playing field
March/April 2008
401(k) Fees 2007
A lot of hard work, but light at the end of the tunnel
January/February 2008
Sub-prime and 401(k)
Should plan sponsors take action?
November/December 2007
60 Years of PSCA
It’s about more than retirement
September/October 2007
Stop! No Legislative Changes for Five Years
Let’s see what we can do
July/August 2007
DC and DB — The Difference Is Responsibility, Not Risk
Participants need to know this difference
May/June 2007
Sense of the Senate Is Misleading
American workers have access to and are saving in defined contribution plans
March/April 2007
401(k): America’s Retirement System
Here come the microscopes
January/February 2007
2006 Is the Year
Defined contribution plans will be the future of employer-provided savings plans
November/December 2006
PSCA Succeeds Again
Right goals, focus, and persistence pay off
September/October 2006
Now More Than Ever in America It’s An Employer-Based Solution
Plan sponsors deserve recognition for their efforts
July/August 2006
Getting Young Workers to Save
It’s Not About Denial
May/June 2006
Retirement Savings: How Do We Know When We Are Making Progress?
We need to keep the focus on those who need our help the most
March/April 2006
Speaking Out for Employers
PSCA launches an aggressive media campaign
January/February 2006
Employee Savings In Defined Contribution Plans
There’s history here
November/December 2005
Retirement Annuities: Market-Based Solutions
New products tailored to the needs of retirees help plan participants adopt annuities as a form of retirement income management
September/October 2005
Branding Your Plan
Capitalizing on the Value of Plan Sponsorship
July/August 2005
Picking an Advisor
Using a Common Sense Approach
May/June 2005
Missing Participants and the Internet
Is What You Don't See Really Not There?
March/April 2005
PSCA Expands Member Benefits by Updating and Improving the Bimonthly Magazine
Design/format changes offer new perspectives on latest profit sharing, 401(k) plan information
January/February 2005
Fee disclosure
It's a win-win situation
November/December 2004
Structure to results
Where we had to be then, where we need to go now
September/October 2004
Making tomorrow different from today
Identifying change drivers
July/August 2004
Shutting down empowerment
Sponsors face challenge of communicating new 401(k) philosophy
May/June 2004
Written investment policy statement: Yes or no?
PSCA says yes
March/April 2004
Ethical behavior an obligation, not a regulation
Trust critical to 401(k)
January/February 2004
Retirement readiness
It's a process, not a number
November/December 2003
The long haul
401(k) plans can be instrumental in retaining and rewarding valuable employees
September/October 2003
It's not coverage - it's participation
Employers are a necessity in the transition
July/August 2003
PSCA in the news
May/June 2003
The real story
Success, even in hard times
March/April 2003
DC Plans
A primary source of retirement savings proposals will reduce their appeal
January/February 2003
Let's get the message out!
The 401(k) advantage
November/December 2002
The 401(k) secret weapon
Dollar-cost averaging can help reduce market uncertainty
September/October 2002
Time to put profit sharing back in plans?
Profit-based employer contributions vital part of DC system
July/August 2002
Recent media success
PSCA's role as authoritative voice makes a difference
May/June 2002
The Enron ripple effect
Shaking the confidence in the defined-contribution system
March/April 2002
Managing the transition
Plan participants nearing retirement must plan ahead to avoid excessive risk
January/February 2002
Think lump sum
Employees need a goal that's easily understood
November/December 2001
The need for a more realistic tax expenditure figure
Expenditure calculation threatens HR 1836's future
September/October 2001
Time to rename!
Addressing the lifestyle fund dilemma
July/August 2001
Keep retirees in the plan
Why retaining funds after retirement benefits all
May/June 2001
How 401(k) became a success
Trace the trends that made it possible
March/April 2001
Technology challenges
Privacy, security, compatibility and globalization
January/February 2001
From survival to success
Growth of DC assets changes "paycheck to paycheck" perspective
November/December 2000
Importance of a unified voice
Together, PSCA members provide powerful representation in the DC system
September/October 2000
Alert to small plans: You may be top heavy
In just four years a small company may violate top-heavy rules
July/August 2000
Rebalance funds for best results
Rebalancing may be the right response to market changes
May/June 2000
The expanding employer-employee partnership
The valuable role employers play will continue to increase
March/April 2000
Internet empowers employees
Information availability makes workers equal in employment relationship
January/February 2000
Federal regulations limit savings
Confusing system prevents maximum retirement security
November/December 1999
Retirement technology solutions
Accelerated changes in technology will revolutionize plans
September/October 1999
Measure results to prove worth of employee education
Help obtain funding and provide historical comparisons through measurement
July/August 1999
The future of profit sharing
A look at the past suggests where profit sharing is headed
May/June 1999
Should you offer investment advice?
Employee needs vs. company liability and cost
March/April 1999
Preventing bad legislation
The Emergi-Lite case leads to calls for unnecessary regulatory change
January/February 1999
Current 401(k) trends
The number of companies offering 401(k) plans is growing rapidly
November/December 1998
Invest long-term
Investments can withstand market volatility
September/October 1998
Preventing pre-retirement leakage of assets
Sponsors, providers and lawmakers must work together
July/August 1998
Today's economic success rooted in the 1980s
Tough decisions and sacrifices of the past yield benefits today
May/June 1998
History of profit sharing
From 1797 to the present
March/April 1998
The positive impact of equity investment
Increased stock ownership will have social, political and economic effects
January/February 1998
It Doesn't Get Any Better Than This
401(k) Plans Offer Employees Their Best Savings Option
March 1995
Demographic Dilemma
Are There Still Three Legs to the Retirement Stool?
September 1994
The 401(k)/Profit-Sharing Connection
A Synergistic Solution to Employee Motivation
September 1993
Empowerment Should Be More than Just Another Buzzword
February 1993
Don't Rely on Social Security for Retirement Security in 2035
December 1992
Value sharing
Reinventing the Employee Motivation Wheel
May 1992
Regulatory Time-Out
Revisiting the reasons employers share profits
February 1992
New Technology Paves the Way for More Creative Plan Administration
January 1991
Profit Sharing Can Speed Eastern Europe's Transition to a Free Enterprise Economy
April 1990
Policymakers Chase Phantoms as They Attempt to End Perceived Plan Abuse
January 1990
Stable Value’s 401(k) Future Is Brighter Than You Think
Benchmarking Success of Financial Participation Programs