Ask the Expert 2026
Marcel Plomteaux
CAPTRUST
Marcel Plomteaux helps organizations navigate one of their most important, and often most complex, benefits— their retirement plan. Great employers want to give their employees the opportunity to retire with the standard of living that they’re striving for. As an advisor with CAPTRUST, he partners with employers to design, manage and continuously improve their plans with a focus on helping companies elevate their retirement plan from a simple benefit to a meaningful driver in their long-term success.
What are the biggest mistakes employers make with their retirement plans?
The biggest mistake is treating the plan as “done.” Effective plans are continuously refined as the workforce and objectives evolve. Many employers underestimate the impact of thoughtful plan design or access to advice. While the investment options are the primary focus, often the most meaningful opportunities lie beyond the investments. Employers who treat their plans as an evolving benefit are often rewarded with stronger employee retention and a more engaged, satisfied team.
What separates a good retirement plan from a great one?
A good plan offers strong fundamentals—competitive fees, a well-structured investment lineup, and regulatory compliance. A great plan builds on that by focusing on outcomes. It’s designed to help employees make confident financial decisions and feel prepared for the future. The most effective plans prioritize engagement, remove complexity, and provide access to personalized guidance when it matters most.
What major changes are coming to retirement plans over the next few years?
Retirement plans are at a turning point. They’re becoming more dynamic, with greater emphasis on personalization and ease of use. At the same time, employers are navigating an increasingly complex environment with heightened fiduciary expectations. Together, these shifts are reshaping retirement plans from a passive benefit into an actively managed program that supports both employees and companies alike.
Locations in Sacramento, Roseville and Folsom. 916-924-7527. CAPTRUST.com
