Ryan Bartlett

Thank you for the detailed breakdown! On a more technical note: under the 2025 VFCP updates and the new Self Correction Component, has anyone noticed any issues with the DOL’s online calculator when handling the greater of requirement for periods where actual plan performance was negative?

A while ago, I was managing client reports and benefit plan files for a small HR consultancy — we were completely paperless too. On most days I had 8–10 PDFs open across two monitors, and I couldn’t believe how difficult some tools made something as basic as opening documents in separate windows. I accidentally edited the wrong version of a file more than once just because two identical tabs were open. That was the moment I realized that the price of software isn’t the real issue — losing clarity and time is what really costs you. After trying Adobe, Foxit, Nitro and even Kofax, I started thinking that maybe we just need tools designed exactly for how we work, not the other way around.