"[L]oan defaults are the leak nobody talks about. You can have great fund lineups, low fees, and compliant disclosures -- but when participants leave their jobs and their loan becomes taxable income, that's a permanent loss of savings.... Will employers make [Custodia's RLP] an opt-in benefit or automatically apply it to new loans? How will costs be handled? Will participants understand it's insurance against default, not a free loan forgiveness program? Like every new benefit, the success will depend on communication and administration."  MORE >>