Fourward Thinking: Your 401(k) Game Plan
By Nick Hemsted
Don’t just offer a plan—educate on it.
Most employees don’t understand how it works or what to do. Help them with clear, engaging communication. The best design fails without understanding.
Want higher participation? Start with enrollment meetings.
A single well-run kickoff can raise participation 20–30%. Pair it with email follow-ups and 1:1 advisor access. Education drives engagement.
Even small businesses deserve big-plan features.
Today’s 401(k) tech allows for automation, customization, and lower fees than ever before. Don’t assume you’re stuck with a basic setup. Modern solutions can elevate your offering.
How are you helping employees increase savings over time?
If you’re not auto-escalating, you're leaving impact on the table. Gradual increases (1% a year) can double retirement savings over time. Set it once—change lives.
Planning doesn’t have to be about control.
It can be about freedom.
We work with people who want more intention - not more to-do lists.
Disclosures: This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Legacy Financial Group does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Past performance is no guarantee of future results.
Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
