{"id":235,"date":"2014-03-17T20:12:10","date_gmt":"2014-03-18T00:12:10","guid":{"rendered":"http:\/\/www.fdpklaw.com\/?page_id=235"},"modified":"2022-07-08T11:54:53","modified_gmt":"2022-07-08T15:54:53","slug":"401ks","status":"publish","type":"page","link":"https:\/\/www.fdpklaw.com\/fdpk-practice-areas\/employee-benefits\/401ks\/","title":{"rendered":"401(k) Plans &#038; ESOPs"},"content":{"rendered":"\n<div class=\"wp-block-stackable-columns alignfull stk-block-columns stk-block stk-0f81583 stk-block-background\" data-block-id=\"0f81583\"><style>.stk-0f81583{background-color:var(--theme-palette-color-7,#f2f5fb) !important}.stk-0f81583:before{background-color:var(--theme-palette-color-7,#f2f5fb) !important}.stk-0f81583{padding-top:100px !important;padding-bottom:100px !important;margin-bottom:0px !important}@media screen and (max-width:1023px){.stk-0f81583{padding-top:80px !important;padding-bottom:80px !important}}@media screen and (max-width:767px){.stk-0f81583{padding-top:60px !important;padding-bottom:60px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-0f81583-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-094f59a\" data-block-id=\"094f59a\"><style>@media screen and (min-width:768px){.stk-094f59a{flex:1 1 calc(40% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-094f59a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block stk-e529e6c\" id=\"401-k-plans-amp-eso-ps\" data-block-id=\"e529e6c\"><style>@media screen and (max-width:767px){.stk-e529e6c{margin-bottom:23px !important}}.stk-e529e6c .stk-block-heading__bottom-line{height:2px !important;background-color:var(--theme-palette-color-6,#d3d9e6) !important;margin-top:30px !important}<\/style><h2 class=\"stk-block-heading__text\">401(k) Plans &amp; ESOPs<\/h2><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block stk-9210a4f\" id=\"holding-employers-accountable-for-mismanagement-of-investment-funds\" data-block-id=\"9210a4f\"><style>.stk-9210a4f .stk-block-heading__text{margin:0 !important;color:var(--theme-palette-color-1,#37bdb1) !important}<\/style><h4 class=\"stk-block-heading__text has-text-color\">Holding employers accountable for mismanagement of investment funds<\/h4><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d6da439\" data-block-id=\"d6da439\"><style>@media screen and (min-width:768px){.stk-d6da439{flex:1 1 calc(60% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d6da439-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-58e9d08\" data-block-id=\"58e9d08\"><style>@media screen and (max-width:767px){.stk-58e9d08{margin-bottom:24px !important}}.stk-58e9d08 .stk-block-text__text{font-size:20px !important}@media screen and (max-width:1023px){.stk-58e9d08 .stk-block-text__text{font-size:20px !important}}<\/style><p class=\"stk-block-text__text\">401(k) Plans and Employee Stock Ownership Plans (ESOPs) are the most popular ways to fund retirement.  401(k) Plans often require employees to contribute and some companies match a certain percentage of what a worker contributes. Other employers offer ESOPs\u2014stock in their own company\u2014or hybrid plans such as \u201ccash balance\u201d plans, which are both high risk, to fund retirement.<br><br>When a company provides employees with investment funds to finance their retirements, they are legally required to responsibly manage those funds. When employers freeze, cut, or eliminate traditional, more secure retirement benefits, federal law states that they must appoint a financial supervisor to oversee these plans. That person (a fiduciary) is responsible to make sure that decisions are made for the benefit of plan participants\u2014and not the employer\u2014and must choose investments carefully.<br><br>Companies that create ESOPs also have a legal obligation to properly manage these stock ownership plans. Our lawyers have represented individuals and groups of employees who invested in ESOPs that were mismanaged, and those companies did not inform its employees of the investment risk. <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-162f995\" data-block-id=\"162f995\"><style>@media screen and (max-width:767px){.stk-162f995{margin-bottom:24px !important}}.stk-162f995 hr.stk-block-divider__hr{background:var(--theme-palette-color-6,#d3d9e6) !important;height:2px !important;width:100% !important}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-8559b78\" data-block-id=\"8559b78\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-8559b78-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-55ca45d\" data-block-id=\"55ca45d\"><style>@media screen and (min-width:768px) and (max-width:1023px){.stk-55ca45d{flex:0 1 calc(100% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-55ca45d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d92ebc8\" data-block-id=\"d92ebc8\"><p class=\"stk-block-text__text\">If you think your employer may have pursued profit over your retirement plan benefits or has been dishonest about the benefits you could receive from buying into company stock, our attorneys can help. They have decades of experience in this area of the law.<br><br><a rel=\"noreferrer noopener\" href=\"https:\/\/www.fdpklaw.com\/our-lawyers\/joel-r-hurt\/\" data-type=\"page\" data-id=\"142\" target=\"_blank\">Joel Hurt<\/a> has recovered losses for participants in 401(k) Plans and Employee Stock Ownership Plans (ESOPs) due to unwise investments or incorrect management. If you have concerns about your retirement plan account management, contact Joel today.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-f893650\" data-block-id=\"f893650\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-6198398\" data-block-id=\"6198398\"><style>.stk-6198398 .stk-button__inner-text{font-weight:bold !important;text-transform:uppercase !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"\/get-started\"><span class=\"stk-button__inner-text\">Contact us<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-7a5fee5\" data-block-id=\"7a5fee5\"><style>@media screen and (max-width:767px){.stk-7a5fee5{margin-bottom:24px !important}}@media screen and (min-width:768px) and (max-width:1023px){.stk-7a5fee5{flex:0 1 calc(100% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-7a5fee5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-ca9eb34\" data-block-id=\"ca9eb34\"><style>.stk-ca9eb34{border-radius:10px !important;overflow:hidden !important}.stk-ca9eb34 .stk-img-wrapper{width:100% !important;height:324px !important}@media screen and (max-width:1023px){.stk-ca9eb34 .stk-img-wrapper{width:100% !important;height:178px !important}}<\/style><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9859\" src=\"https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-scaled.jpg\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-scaled.jpg 2560w, https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-300x200.jpg 300w, https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-1024x683.jpg 1024w, https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-768x512.jpg 768w, https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-1536x1024.jpg 1536w, https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/08\/iStock-1281173464-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3c9d9fc stk-block-background stk--has-background-overlay\" data-block-id=\"3c9d9fc\"><style>.stk-3c9d9fc{background-image:url(https:\/\/www.fdpklaw.com\/wp-content\/uploads\/2021\/06\/skyline.png) !important}.stk-3c9d9fc{border-radius:10px !important;overflow:hidden !important;box-shadow:0px 15px 30px 0px rgba(53,40,50,0.3) !important}.stk-3c9d9fc{padding-top:150px !important;padding-right:100px !important;padding-bottom:150px !important;padding-left:100px !important;margin-top:100px !important;margin-bottom:-200px !important}@media screen and (max-width:1023px){.stk-3c9d9fc{padding-top:80px !important}}@media screen and (max-width:767px){.stk-3c9d9fc{padding-top:60px !important;padding-right:30px !important;padding-bottom:60px !important;padding-left:30px !important;margin-top:60px !important}}.stk-3c9d9fc{z-index:2 !important}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-content-align stk-3c9d9fc-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-62171bc\" data-block-id=\"62171bc\"><style>.stk-62171bc-container{border-radius:0px !important;overflow:hidden !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-62171bc-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block stk-4ac7422\" id=\"call-or-email\" data-block-id=\"4ac7422\"><style>.stk-4ac7422 .stk-block-heading__text{color:var(--theme-palette-color-8,#ffffff) !important}<\/style><h1 class=\"stk-block-heading__text has-text-color\">Call or Email.<\/h1><\/div>\n\n\n\n<div class=\"wp-block-stackable-subtitle stk-block-subtitle stk-block stk-0c865b7\" data-block-id=\"0c865b7\"><style>@media screen and (max-width:767px){.stk-0c865b7{margin-bottom:34px !important}}.stk-0c865b7 .stk-block-subtitle__text{color:var(--theme-palette-color-8,#ffffff) !important}<\/style><p class=\"stk-block-subtitle__text stk-subtitle has-text-color\">Years before the Enron and Worldcom scandals were exposed,  Joel Hurt and Ellen Doyle filed lawsuits to recover losses  to participants in 401(k) Plans and ESOPs due to unwise investments.  <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-subtitle stk-block-subtitle stk-block stk-2c486ae\" data-block-id=\"2c486ae\"><style>@media screen and (max-width:767px){.stk-2c486ae{margin-bottom:34px !important}}.stk-2c486ae .stk-block-subtitle__text{color:var(--theme-palette-color-8,#ffffff) !important}<\/style><p class=\"stk-block-subtitle__text stk-subtitle has-text-color\">Contact us if you have questions regarding your pension, 401(k) Plan or ESOP.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-d96c532\" data-block-id=\"d96c532\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-87bfa90\" data-block-id=\"87bfa90\"><style>.stk-87bfa90 .stk-button{background:var(--stk-global-color-65316,#dcb749) !important}.stk-87bfa90 .stk-button__inner-text{font-weight:bold !important;text-transform:uppercase !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"\/get-started\"><span class=\"stk-button__inner-text\">reach out now<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns alignfull stk-block-columns stk-block stk-a425060 stk-block-background\" data-block-id=\"a425060\" data-block-type=\"core\"><style>.stk-a425060{background-color:var(--theme-palette-color-3,#2e4574) !important}.stk-a425060:before{background-color:var(--theme-palette-color-3,#2e4574) !important}.stk-a425060{min-height:300px !important;padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important;margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-a425060-column alignfull\">\n<div 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Other employers offer ESOPs\u2014stock in their own company\u2014or [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":594,"menu_order":40,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6},"page_title_panel":"","has_hero_section":"default","d959747784e0cc84929faac13f6c7692":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"Home"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":false,"meta_elements":[{"id":"author","enabled":true,"label":"By","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"On","date_format_source":"default","date_format":"M j, 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Plans &amp; ESOPs Holding employers accountable for mismanagement of investment funds 401(k) Plans and Employee Stock Ownership Plans (ESOPs) are the most popular ways to fund retirement. 401(k) Plans often require employees to contribute and some companies match a certain percentage of what a worker contributes. Other employers offer ESOPs\u2014stock in their own company\u2014or hybrid plans such as \u201ccash balance\u201d plans, which are both high risk, to fund retirement.When a company provides employees with investment funds to finance their retirements, they are legally required to responsibly manage those funds. When employers freeze, cut, or eliminate traditional, more secure retirement&hellip;<\/p>\n","category_list":"","author_info":{"name":"imagebox_admin","url":"https:\/\/www.fdpklaw.com\/author\/imagebox_admin\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":""},"post_excerpt_stackable_v2":"<p>401(k) Plans &amp; ESOPs Holding employers accountable for mismanagement of investment funds 401(k) Plans and Employee Stock Ownership Plans (ESOPs) are the most popular ways to fund retirement. 401(k) Plans often require employees to contribute and some companies match a certain percentage of what a worker contributes. Other employers offer ESOPs\u2014stock in their own company\u2014or hybrid plans such as \u201ccash balance\u201d plans, which are both high risk, to fund retirement.When a company provides employees with investment funds to finance their retirements, they are legally required to responsibly manage those funds. When employers freeze, cut, or eliminate traditional, more secure retirement&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"imagebox_admin","url":"https:\/\/www.fdpklaw.com\/author\/imagebox_admin\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/pages\/235"}],"collection":[{"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/comments?post=235"}],"version-history":[{"count":37,"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/pages\/235\/revisions"}],"predecessor-version":[{"id":12383,"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/pages\/235\/revisions\/12383"}],"up":[{"embeddable":true,"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/pages\/594"}],"wp:attachment":[{"href":"https:\/\/www.fdpklaw.com\/wp-json\/wp\/v2\/media?parent=235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}