Lesson 1452 of 1550
AI and 408(b)(2) Fee Disclosures: Reading the Service-Provider Disclosure That Saves the Plan
AI parses dense fee disclosures into comparable formats; the committee benchmarks against industry data.
Lesson map
What this lesson covers
Learning path
The main moves in order
- 1The premise
- 2408(b)(2)
- 3plan fees
- 4fee benchmarking
Concept cluster
Terms to connect while reading
Section 1
The premise
408(b)(2) disclosures are dense, inconsistent across providers, and the only way to know if your plan is overpaying. AI can parse multiple disclosures into a comparable format, surface the indirect compensation, and tee up the benchmarking call.
What AI does well here
- Parse multiple 408(b)(2) disclosures into a normalized fee table.
- Surface indirect compensation that's easy to miss (12b-1, sub-TA).
- Generate the question list for the recordkeeper RFP.
- Draft the fee-benchmarking memo for committee minutes.
What AI cannot do
- Replace independent benchmarking against industry data (NEPC, BrightScope).
- Know whether your specific provider is offering hidden discounts elsewhere.
- Decide if the fees are reasonable — that's the committee.
Key terms in this lesson
End-of-lesson quiz
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