After 23 years in the retirement plan business, one thing that stands out is that plan providers are on the cutting edge are usually over the edge.

ROB 401(k) plan, sub-trusts in defined benefit plans, defined benefit plans with age 35 retirement age, these are gimmicks that have gotten a lot of unwitting plan sponsors in trouble. I just had a lengthy examination concerning the use of insurance sub-trusts in defined benefit plans as this has been an issue for the Internal revenue Service for the last 15 years.

I would be cautious in any cutting-edge retirement changes without clearing it with ERISA counsel.