Louis Harvey has seen his share of really well-designed 401(k) plans.
He has great faith that the best advisors can drive savings outcomes for participants.
He's also seen the flip side, and not infrequently. Since 1976, when he founded Dalbar Inc., an independent consultancy that evaluates the quality of 401(k) plans and plan advisors, among other things, Harvey has witnessed the inception of defined-contribution plans and all of their ensuing evolutions.
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