Cincinnati skyline WebParticipant Strategy Roundtable

2016 Annual Meeting

Downfall of the Rollover IRA or Non-event?
Rise of In-Plan Retirement Income Distributions?
What About Financial Wellness?
Starting From Scratch After The U.S. DOL Fiduciary Definition Ruling

November 15/16, 2016
Covington, KY

Hosted by: Fidelity Investments

Register* On-line

*Registration requires an invitation code

Request Invitation Code

Current Context

The field of retirement plan participant strategy is at a once-in-a decade crossroad. For a decade since the enactment of the Pension Protection Act, the emphasis has been to switch resources away from participant education and communication and to focus attention on behavioral finance, plan design, choice architecture, auto features, and default elections. Resources assigned to asset gathering and asset retention at the time of distributable events have grown tremendously. The effectiveness of asset gathering and asset retention efforts varied among recordkeepers, based on the strength of each firm’s Rollover IRA marketing machine. Industrywide, assets invested in Rollover IRAs came to exceed assets invested in Defined Contribution retirement plans, fueled by employer preference for distribution of plan assets at the time of employee separation for practical reasons. Along comes the 2016 U.S. DOL rule which extends ERISA fiduciary responsibility to the IRA business, and particularly to rollover IRA distributions. This new rule will at least slow down the flow of retirement plan distributions. It will also pressure employers to amend their plan document to accommodate a broader range of distribution options.

Simultaneously, a debt crisis hampers working American’s ability to save adequately for retirement and fuels the demand for financial wellness solutions. Soaring student loans and the rising popularity of high-deductible health plans combined with inadequately funded HSAs, cause large numbers to initiate 401(k) plan loans and hardship withdrawals and to reduce contribution levels, affecting their retirement readiness and overall plan health.  

Innovation in communication technology (CRM systems at the participant level, mobile technology, and content management) allows service providers to deliver high level / impactful messaging and robust client service at the participant level with an appropriate price structure for institutional markets

The 2016 Annual Meeting of the Participant Strategy Roundtable will help you formulate a forward-looking strategy to leverage the opportunity the U.S. DOL rule and secular trends present for retirement plan recordkeeping service providers. Individuals who lead in-plan income distribution, asset retention, asset gathering, and rollover IRA business teams are invited to join the group of participant education and communication team leaders to strategize on the future direction of retirement saving in America. Forum for heads of retirement plan participant strategy teams to discuss current developments and emerging issues impacting retirement readiness.

  • Drive participation, contribution level, and asset allocation through plan design, participant communication, and counseling
  • Reduce erosion from loans and premature distribution
  • Encourage asset accumulation, account consolidation, and responsible lifetime income distribution
  • Enhance the effectiveness of the national retirement system

Discussion topics include attendee suggestions gathered in the registration process and in response to the meeting reminder.

Who Attends

Attendance is by invitation. The invitation is extended to heads of participant strategy, participant communication, counseling, education, contact center and Website at retirement plan service providers:

  • Across distribution channels (direct, consultant, brokerage, TPA, bank, and others)
  • Mid-sized, large and jumbo plans
  • Corporate, government, not-for-profit, higher-education and Taft-Hartley market
  • TRO, integrated benefits, defined contribution plans, defined benefit plans, and NQDC plans

NEW in 2016 For the first time in 2016, we also extend the invitation to leaders of Rollover IRA product managers, leaders of asset gathering, asset retention, and in-plan distribution operations team leaders who will benefit from peer discussions at this critical moment in the evolution of retirement saving in America.

Date and Time

November 15, 2016

6:00p.m. (boarding) 7:00 p.m. - 9:30 p.m. (sailing) - Pre-event Dinner-Cruise on the BB Riverboat  

November 16, 2016

8:30 a.m. to 3:30 p.m. – Sessions

Breakfast starting at 8:00 a.m.



Fidelity Investments, Morgan Building, Room 118 A & B
100 Magellan Way
Covington, KY   41015

Dress Code

Business Casual

Hot Topics

U.S. Department of Labor Regulation Implementation

  • What next? Implications of U.S. DOL regulations and potential litigation on advisor, plan sponsor, and participant behavior
  • Implementation project status
  • U.S. DOL FAQs
  • Projected impact on Rollover IRA, asset retention, asset gathering, and distribution options
  • Segmented service models by plan asset size (Under $5 million, $5 to $50 million, and over $50 million)
  • Segmented participant service models (HCE/HNW, NHCE, de-minimis)
  • Enhancing employer attitude toward in-plan income distribution options
  • Operational issues related to wide adoption of in-plan distribution options
  • Potential impact on participant education, participant communication, and participant advice
  • Other topics suggested by attendees

Financial Wellness Solutions to the Rising Debt Crisis

  • Solutions to overcome impact of student debt at workforce entry
  • Solutions to overcome impact of debt crisis / high deductible health care plans on loan and hardship withdrawal activity
  • Incenting employer adoption of / support for Financial Wellness solutions
  • Unique sector situations / challenges (Healthcare, Hospitality, and Retail, High Technology, Financial Services, Manufacturing)
  • In the midst of open-enrollment season…
  • Integrating with healthcare / EAP / Benefits Exchange or not?
  • Data feed / (payroll) data quality issues
  • Offering multiple solutions to the same workforce?
  • Impact on participant behavior, retirement readiness, and overall plan health
  • Other topics suggested by attendees

Generation Z and Evolution of Communications Technology

  • GenZRetires
  • Counseling the iGeneration
  • Evolving Role of Technology
  • Print and electronic communication - pace of evolution
  • Mobile technology - apps, devices, and BYOD strategies
  • CRM and content management software at the participant level
  • Fair expectations and possible surprises
  • Changing landscape of social media
  • Big data - participant marketing application
  • Moving the industry to quick reaction to change

Organizational Structure and Team Management

  • “One-Company” strategies – single / consistent customer experience
  • Implosion of the old education and communication model
  • Activities, staffing, and organizational structure (counseling, education, communication, asset gathering, asset retention, and rollover IRA units)
  • Mix of counselors, educators, advisors, communication consultants, design, production, and project management staff
  • Hiring and retaining "high-tech" staff in participant strategy functions
  • Staffing strategies - leveraging contractors and agencies
  • Working with advisors, third-party distributors, and referral sources
  • Products and services
  • Financials and compensation

Other topics suggested by attendees


Tuesday, November 15, 2016
6:00 p.m. (boarding time) 7:00 p.m. to 9:30 p.m. (sailing time)  Pre-event Dinner Cruise on the BB Riverboat

Wednesday, November 16, 2016
8:00 a.m      Continental breakfast buffet
8:30 a.m.     Welcome and Introductions
9:00 a.m.     Hot Topics - Roundtable Discussions

  • U.S. Department of Labor Regulation implementation- impact on participant strategy, asset gathering, asset retention, and rollover IRA business – forward-looking strategy
  • Other topics requested by attendees

10:30 a.m.   Break
10:45 a.m.   Hot Topics - Roundtable Discussions

  • Financial Wellness solutions to the rising debt crisis
  • Other topics requested by attendees

12:00 p.m.   Cold Buffet Lunch
12:30 p.m.   Generation Z and evolution of communications technology – Presentation and Roundtable Discussions

2:00 p.m.     Break

2:15 p.m      Organization and team management topics (e.g. “One-company” customer experience) - Roundtable Discussions
3:15 p.m. New frontier, and next steps
3:30 p.m.     Meeting adjourns

Pre-event Networking Dinner

BB Riverboat dinner and sightseeing tour.

6:00 p.m.     Boarding
7:30 p.m.     Sailing

"Early in Cincinnati’s history, most visitors arrived by riverboat, so it is fitting to recommend that modern-day visitors get out and see the Queen City from the Ohio River while enjoying dinner. BB Riverboats offers sightseeing cruises that allow you to relax and enjoy the scenery while the captain points out landmarks and shares some of the history of the city.” USA Today 10BEST

BB Riverboats
101 Riverboat Row
Newport, KY 41071


Hotel / Transportation

A block of rooms has been reserved at the Marriott Cincinnati Rivercenter in Covington, Kentucky. The cost is $170.00 per night not including taxes and incidentals (payment due at checkout time.) 

For reservations please click HERE or call the hotel directly by October 19, 2016 and reference that you are part of the Participant Strategy Roundtable room block (Reference #: M-5X4Y4FW) in order to get the special rate..

Marriott Cincinnati Rivercenter
10 W. Rivercenter Blvd.
Covington, KY 41011
(859) 261-2900 or (800) 228-9290


Transportation provided between hotel, BB Riverboat dinner and sightseeing tour pre-event, and meeting site.


Register on-line

Registration requires an invitation code.  Payments by credit card, debit card, check or bank transfer

Registration deadlines and Cost Per Attendee    

Registration deadline: Roundtable
On or before August 31, 2016 $950.00
After August 31, 2016 $1,175.00

Cancellation policy:

EACH Enterprise, LLC will refund your entire meeting fee if you cancel on or before August 31, 2016.  For cancellations between  September 1, 2016 and October 31, 2016, EACH Enterprise, LLC will refund your registration fee minus an administration fee of $175.  No refunds for cancellations after October 31, 2016.  In the unlikely event that the number of registered attendees falls short of expectations, EACH Enterprise, LLC will refund the entire registration fee. 



to deliver high-level/impactful messaging 

Our Other Sites




gen z


Contact Us

Phone: (860) 254-5046
Fax: (860) 838-2830
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

EACH Enterprise, LLC
16A Pasco Drive
East Windsor CT 06088