(9259,1990,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Real estate is a significant element in the portfolios of large European institutional investors, with allocations making up as much as 10 percent of the average portfolio. The purported benefits of the inclusion of real estate in institutional investor portfolios are well known; the asset class should provide diversity to the traditional equity/fixed income blends which continue to provide the backbone of nearly all portfolios. Where real estate is one diversifying element, hedge funds, private equity, and infrastructure are also advertised as being able to provide diversity to portfolios. How has real estate performed relative to other asset classes?<br />\nCEM Benchmarking is in a unique position to provide insight into the historical record on investment allocations, returns and risk of large European institutional investors. With a robust set of large European funds that spans 12 years – a full investment cycle – real estate performance can be compared to other asset classes across different periods on an apples-to-apples basis.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Asset_allocation_cost_of_investing_and_performance_of_European_DB_pension_funds.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9260,1990,'_et_pb_truncate_post_date','2025-01-08 21:43:15'),(9261,1990,'_et_pb_built_for_post_type','page'),(9262,1990,'_et_pb_ab_subjects',''),(9263,1990,'_et_pb_enable_shortcode_tracking',''),(9264,1990,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1990\" /]'),(9265,1990,'_et_pb_custom_css',''),(9266,1990,'_et_pb_gutter_width','3'),(9267,1990,'_thumbnail_id','78'),(9268,1990,'_global_colors_info','{}'),(9269,1990,'_et_pb_first_image',''),(9270,1990,'_et_builder_version','VB|Divi|4.27.4'),(9276,1990,'_dp_original','1987'),(9277,1991,'ppma_authors_name','Chris Flynn, Tej Dosanjh, John Simmonds, Franco Wang'),(9278,1991,'ppma_authors_name','Chris Flynn, Tej Dosanjh, John Simmonds, Franco Wang'),(9279,1991,'ppma_authors_name','Chris Flynn, Tej Dosanjh, John Simmonds, Franco Wang'),(9280,1991,'ppma_authors_name','Chris Flynn, Tej Dosanjh, John Simmonds, Franco Wang'),(9281,1991,'_et_pb_use_builder','on'),(9282,1991,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9283,1991,'_et_gb_content_width','1080'),(9284,1991,'footnotes',''),(9285,1991,'_et_post_bg_color','#ffffff'),(9286,1991,'_et_post_bg_layout','light'),(9287,1991,'_et_pb_show_title','off'),(9288,1991,'_et_pb_post_hide_nav','default'),(9289,1991,'_et_pb_page_layout','et_no_sidebar'),(9290,1991,'_et_pb_side_nav','off'),(9291,1991,'_yoast_wpseo_primary_category','18'),(9292,1991,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9293,1991,'_wp_old_date','2024-12-11'),(9294,1991,'_wp_old_date','2024-12-18'),(9295,1991,'_wp_old_date','2025-01-08'),(9296,1991,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9297,1991,'content-type',''),(9298,1991,'_wp_old_slug','amalie-post'),(9299,1991,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9300,1991,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9301,1991,'_wp_old_slug','optimizing-customer-experience'),(9302,1991,'_yoast_wpseo_content_score','90'),(9303,1991,'ppma_disable_author_box','1'),(9304,1991,'_et_pb_show_page_creation','off'),(9305,1991,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Institutional asset owners across the world, encouraged by regulators, are increasingly interested in ‘hidden’ transaction costs – costs incurred in trading securities before returns are calculated.<br />\nFor Defined Benefit pension plans, every £ taken in cost needs to be recouped through improved performance or put back by members, employers or, in the case of public schemes, taxpayers. In Defined Contribution plans, costs reduce the value of the member’s account with long term retirement implications for the member.<br />\nThis paper provides highlights from detailed research completed by CEM for its elite ‘Global Leaders’ peer group. The 19 participating pension and sovereign wealth funds in the study have combined assets of over £2 trillion. They include some of the world’s most important and complex institutional investors. The research is based on detailed data supplied confidentially by the Global Leaders group.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Transaction_Cost_Amongst_Large_Asset_Owners_-_Sept_2018.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9306,1991,'_et_pb_truncate_post_date','2025-01-16 21:53:09'),(9307,1991,'_et_pb_built_for_post_type','page'),(9308,1991,'_et_pb_ab_subjects',''),(9309,1991,'_et_pb_enable_shortcode_tracking',''),(9310,1991,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1991\" /]'),(9311,1991,'_et_pb_custom_css',''),(9312,1991,'_et_pb_gutter_width','3'),(9313,1991,'_thumbnail_id','78'),(9314,1991,'_global_colors_info','{}'),(9315,1991,'_et_pb_first_image',''),(9316,1991,'_et_builder_version','VB|Divi|4.27.4'),(9322,1991,'_dp_original','1987'),(9323,1991,'_edit_lock','1737064471:2'),(9325,1992,'footnotes',''),(9330,1991,'_edit_last','2'),(9336,1993,'footnotes',''),(9342,1990,'_edit_lock','1737064470:2'),(9344,1994,'footnotes',''),(9349,1990,'_edit_last','2'),(9355,1995,'footnotes',''),(9361,1996,'footnotes',''),(9371,1997,'ppma_authors_name','Mike Heale'),(9372,1997,'ppma_authors_name','Mike Heale'),(9373,1997,'ppma_authors_name','Mike Heale'),(9374,1997,'ppma_authors_name','Mike Heale'),(9375,1997,'ppma_authors_name','Mike Heale'),(9376,1997,'_et_pb_use_builder','on'),(9377,1997,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9378,1997,'_et_gb_content_width','1080'),(9379,1997,'footnotes',''),(9380,1997,'_et_post_bg_color','#ffffff'),(9381,1997,'_et_post_bg_layout','light'),(9382,1997,'_et_pb_show_title','off'),(9383,1997,'_et_pb_post_hide_nav','default'),(9384,1997,'_et_pb_page_layout','et_no_sidebar'),(9385,1997,'_et_pb_side_nav','off'),(9386,1997,'_yoast_wpseo_primary_category','18'),(9387,1997,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9388,1997,'_wp_old_date','2024-12-11'),(9389,1997,'_wp_old_date','2024-12-18'),(9390,1997,'_wp_old_date','2025-01-08'),(9391,1997,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9392,1997,'content-type',''),(9393,1997,'_wp_old_slug','amalie-post'),(9394,1997,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9395,1997,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9396,1997,'_wp_old_slug','optimizing-customer-experience'),(9397,1997,'_yoast_wpseo_content_score','60'),(9398,1997,'ppma_disable_author_box','1'),(9399,1997,'_et_pb_show_page_creation','off'),(9400,1997,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Pension funds need investment strategies with attractive risk and return characteristics to fund their liabilities. Hedge funds are increasingly popular investments which purport to fill this need, as witnessed by a 25-fold increase in hedge fund use in the CEM global database between 2000 and 2016. But have hedge fund portfolios delivered these benefits? New CEM research indicates that some did but most did not.<br />\nThe reality is most hedge fund portfolios behaved like simple blends of equity and debt with unattractive returns and no risk-reducing characteristics. The primary objective of the research was to better understand how funds are investing in hedge funds by examining their portfolio structure, benchmarks, performance and costs. Results are based on a one-time survey completed by 27 leading global funds, and 17 years of CEM hedge fund data from 382 funds.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Hedge_Funds_Reality_Check_Update.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9401,1997,'_et_pb_truncate_post_date','2025-01-08 22:00:00'),(9402,1997,'_et_pb_built_for_post_type','page'),(9403,1997,'_et_pb_ab_subjects',''),(9404,1997,'_et_pb_enable_shortcode_tracking',''),(9405,1997,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1997\" /]'),(9406,1997,'_et_pb_custom_css',''),(9407,1997,'_et_pb_gutter_width','3'),(9408,1997,'_thumbnail_id','78'),(9409,1997,'_global_colors_info','{}'),(9410,1997,'_et_pb_first_image',''),(9411,1997,'_et_builder_version','VB|Divi|4.27.4'),(9417,1997,'_dp_original','1990'),(9418,1997,'_edit_lock','1737064471:2'),(9420,1998,'footnotes',''),(9425,1997,'_edit_last','2'),(9431,1999,'footnotes',''),(9436,2000,'ppma_authors_name','CEM Benchmarking'),(9437,2000,'ppma_authors_name','CEM Benchmarking'),(9438,2000,'ppma_authors_name','CEM Benchmarking'),(9439,2000,'ppma_authors_name','CEM Benchmarking'),(9440,2000,'ppma_authors_name','CEM Benchmarking'),(9441,2000,'_et_pb_use_builder','on'),(9442,2000,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9443,2000,'_et_gb_content_width','1080'),(9444,2000,'footnotes',''),(9445,2000,'_et_post_bg_color','#ffffff'),(9446,2000,'_et_post_bg_layout','light'),(9447,2000,'_et_pb_show_title','off'),(9448,2000,'_et_pb_post_hide_nav','default'),(9449,2000,'_et_pb_page_layout','et_no_sidebar'),(9450,2000,'_et_pb_side_nav','off'),(9451,2000,'_yoast_wpseo_primary_category','18'),(9452,2000,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9453,2000,'_wp_old_date','2024-12-11'),(9454,2000,'_wp_old_date','2024-12-18'),(9455,2000,'_wp_old_date','2025-01-08'),(9456,2000,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9457,2000,'content-type',''),(9458,2000,'_wp_old_slug','amalie-post'),(9459,2000,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9460,2000,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9461,2000,'_wp_old_slug','optimizing-customer-experience'),(9462,2000,'_yoast_wpseo_content_score','90'),(9463,2000,'ppma_disable_author_box','1'),(9464,2000,'_et_pb_show_page_creation','off'),(9465,2000,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">The financial crisis resulted in severe declines in the funded status of most U.S. corporate pension funds resulting in almost universal pension deficits. These deficits have persisted largely due to declines in interest rates to historical lows. With the dual goals of closing funding shortfalls and reducing risk, plan sponsors have responded by de-risking incrementally and allowing funding status, and in more limited instances, interest rate levels, to guide their de-risking programs.<br />\nThe financial crisis plunged many corporate pension plans into deficit forcing many sponsors to reconsider the sustainability of their plans. The subsequent years have proven a difficult environment for plan sponsors who were hoping to reduce funding deficits and pension risk simultaneously.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Funded_Status_and_Investment_Policy.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9466,2000,'_et_pb_truncate_post_date','2025-01-08 21:53:30'),(9467,2000,'_et_pb_built_for_post_type','page'),(9468,2000,'_et_pb_ab_subjects',''),(9469,2000,'_et_pb_enable_shortcode_tracking',''),(9470,2000,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2000\" /]'),(9471,2000,'_et_pb_custom_css',''),(9472,2000,'_et_pb_gutter_width','3'),(9473,2000,'_thumbnail_id','78'),(9474,2000,'_global_colors_info','{}'),(9475,2000,'_et_pb_first_image',''),(9476,2000,'_et_builder_version','VB|Divi|4.27.4'),(9482,2000,'_dp_original','1990'),(9483,2000,'_edit_lock','1737064472:2'),(9485,2001,'footnotes',''),(9490,2000,'_edit_last','2'),(9496,2002,'footnotes',''),(9501,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9502,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9503,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9504,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9505,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9506,2003,'ppma_authors_name','Sandy Halim, Maaike van Bragt'),(9507,2003,'_et_pb_use_builder','on'),(9508,2003,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9509,2003,'_et_gb_content_width','1080'),(9510,2003,'footnotes',''),(9511,2003,'_et_post_bg_color','#ffffff'),(9512,2003,'_et_post_bg_layout','light'),(9513,2003,'_et_pb_show_title','off'),(9514,2003,'_et_pb_post_hide_nav','default'),(9515,2003,'_et_pb_page_layout','et_no_sidebar'),(9516,2003,'_et_pb_side_nav','off'),(9517,2003,'_yoast_wpseo_primary_category','18'),(9518,2003,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9519,2003,'_wp_old_date','2024-12-11'),(9520,2003,'_wp_old_date','2024-12-18'),(9521,2003,'_wp_old_date','2025-01-08'),(9522,2003,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9523,2003,'content-type',''),(9524,2003,'_wp_old_slug','amalie-post'),(9525,2003,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9526,2003,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9527,2003,'_wp_old_slug','optimizing-customer-experience'),(9528,2003,'_yoast_wpseo_content_score','90'),(9529,2003,'ppma_disable_author_box','1'),(9530,2003,'_et_pb_show_page_creation','off'),(9531,2003,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">CEM has been collecting data on DB and DC plans since 1991 and 1997, respectively. As calculated in our 2006 study, DB funds outperformed DC plans from 1998‐2005, by 1.80% (Flynn and Hubert, 20061 ). A return difference that in 25 years would result in a 34% smaller account value for the DC participant compared to the account value of the DB participant that started with the same dollar amount. However, in the last ten years, this margin has decreased considerably. This paper discusses why.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/DC_plans_have_come_a_long_way.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9532,2003,'_et_pb_truncate_post_date','2025-01-08 22:38:16'),(9533,2003,'_et_pb_built_for_post_type','page'),(9534,2003,'_et_pb_ab_subjects',''),(9535,2003,'_et_pb_enable_shortcode_tracking',''),(9536,2003,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2003\" /]'),(9537,2003,'_et_pb_custom_css',''),(9538,2003,'_et_pb_gutter_width','3'),(9539,2003,'_thumbnail_id','78'),(9540,2003,'_global_colors_info','{}'),(9541,2003,'_et_pb_first_image',''),(9542,2003,'_et_builder_version','VB|Divi|4.27.4'),(9548,2003,'_dp_original','2000'),(9549,2003,'_edit_lock','1737064471:2'),(9551,2004,'footnotes',''),(9556,2003,'_edit_last','2'),(9581,2005,'footnotes',''),(9586,2006,'ppma_authors_name','Mike Heale'),(9587,2006,'ppma_authors_name','Mike Heale'),(9588,2006,'ppma_authors_name','Mike Heale'),(9589,2006,'ppma_authors_name','Mike Heale'),(9590,2006,'ppma_authors_name','Mike Heale'),(9591,2006,'ppma_authors_name','Mike Heale'),(9592,2006,'_et_pb_use_builder','on'),(9593,2006,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9594,2006,'_et_gb_content_width','1080'),(9595,2006,'footnotes',''),(9596,2006,'_et_post_bg_color','#ffffff'),(9597,2006,'_et_post_bg_layout','light'),(9598,2006,'_et_pb_show_title','off'),(9599,2006,'_et_pb_post_hide_nav','default'),(9600,2006,'_et_pb_page_layout','et_no_sidebar'),(9601,2006,'_et_pb_side_nav','off'),(9602,2006,'_yoast_wpseo_primary_category','18'),(9603,2006,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9604,2006,'_wp_old_date','2024-12-11'),(9605,2006,'_wp_old_date','2024-12-18'),(9606,2006,'_wp_old_date','2025-01-08'),(9607,2006,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9608,2006,'content-type',''),(9609,2006,'_wp_old_slug','amalie-post'),(9610,2006,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9611,2006,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9612,2006,'_wp_old_slug','optimizing-customer-experience'),(9613,2006,'_yoast_wpseo_content_score','60'),(9614,2006,'ppma_disable_author_box','1'),(9615,2006,'_et_pb_show_page_creation','off'),(9616,2006,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Pension funds need investment strategies with attractive risk and return characteristics to fund their liabilities. Hedge funds are increasingly popular investments which purport to fill this need, as witnessed by a 25-fold increase in hedge fund use in the CEM global database between 2000 and 2014. But have hedge fund portfolios delivered these benefits? New CEM research indicates that some did but most did not.<br />\nThe reality is most hedge fund portfolios behaved like simple blends of equity and debt with unattractive returns and no risk-reducing characteristics. The primary objective of the research was to better understand how funds are investing in hedge funds by examining their portfolio structure, benchmarks, performance and costs. Results are based on a one-time survey completed by 27 leading global funds, and 15 years of CEM hedge fund data from more than 300 funds.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Hedge_Funds_Reality_Check.docx.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9617,2006,'_et_pb_truncate_post_date','2025-01-08 22:03:58'),(9618,2006,'_et_pb_built_for_post_type','page'),(9619,2006,'_et_pb_ab_subjects',''),(9620,2006,'_et_pb_enable_shortcode_tracking',''),(9621,2006,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2006\" /]'),(9622,2006,'_et_pb_custom_css',''),(9623,2006,'_et_pb_gutter_width','3'),(9624,2006,'_thumbnail_id','78'),(9625,2006,'_global_colors_info','{}'),(9626,2006,'_et_pb_first_image',''),(9627,2006,'_et_builder_version','VB|Divi|4.27.4'),(9633,2006,'_dp_original','1997'),(9634,2006,'_edit_lock','1737064471:2'),(9636,2007,'footnotes',''),(9641,2006,'_edit_last','2'),(9648,2009,'footnotes',''),(9653,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9654,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9655,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9656,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9657,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9658,2010,'ppma_authors_name','Keith Ambachtsheer, David Dupont, Tom Scheibelhut'),(9659,2010,'_et_pb_use_builder','on'),(9660,2010,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9661,2010,'_et_gb_content_width','1080'),(9662,2010,'footnotes',''),(9663,2010,'_et_post_bg_color','#ffffff'),(9664,2010,'_et_post_bg_layout','light'),(9665,2010,'_et_pb_show_title','off'),(9666,2010,'_et_pb_post_hide_nav','default'),(9667,2010,'_et_pb_page_layout','et_no_sidebar'),(9668,2010,'_et_pb_side_nav','off'),(9669,2010,'_yoast_wpseo_primary_category','18'),(9670,2010,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9671,2010,'_wp_old_date','2024-12-11'),(9672,2010,'_wp_old_date','2024-12-18'),(9673,2010,'_wp_old_date','2025-01-08'),(9674,2010,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9675,2010,'content-type',''),(9676,2010,'_wp_old_slug','amalie-post'),(9677,2010,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9678,2010,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9679,2010,'_wp_old_slug','optimizing-customer-experience'),(9680,2010,'_yoast_wpseo_content_score','90'),(9681,2010,'ppma_disable_author_box','1'),(9682,2010,'_et_pb_show_page_creation','off'),(9683,2010,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">The Fraser Institute recently published a paper titled “Comparing the Costs of the Canada Pension Plan with Public Pensions Plans in Ontario”.1 Based on a comparative cost analysis of six Canadian public sector pension organizations, the authors reached three conclusions that “should be sobering for the proponents of large public sector pension plans”</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Correcting_the_Fraser_Institutes_Faulty_Analysis_and_Conclusions.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9684,2010,'_et_pb_truncate_post_date','2025-01-08 22:14:50'),(9685,2010,'_et_pb_built_for_post_type','page'),(9686,2010,'_et_pb_ab_subjects',''),(9687,2010,'_et_pb_enable_shortcode_tracking',''),(9688,2010,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2010\" /]'),(9689,2010,'_et_pb_custom_css',''),(9690,2010,'_et_pb_gutter_width','3'),(9691,2010,'_thumbnail_id','78'),(9692,2010,'_global_colors_info','{}'),(9693,2010,'_et_pb_first_image',''),(9694,2010,'_et_builder_version','VB|Divi|4.27.4'),(9700,2010,'_dp_original','1997'),(9701,2010,'_edit_lock','1737064474:2'),(9703,2011,'footnotes',''),(9708,2010,'_edit_last','2'),(9715,2012,'footnotes',''),(9720,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9721,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9722,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9723,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9724,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9725,2013,'ppma_authors_name','Andrea Dang, David Dupont, Mike Heale'),(9726,2013,'_et_pb_use_builder','on'),(9727,2013,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9728,2013,'_et_gb_content_width','1080'),(9729,2013,'footnotes',''),(9730,2013,'_et_post_bg_color','#ffffff'),(9731,2013,'_et_post_bg_layout','light'),(9732,2013,'_et_pb_show_title','off'),(9733,2013,'_et_pb_post_hide_nav','default'),(9734,2013,'_et_pb_page_layout','et_no_sidebar'),(9735,2013,'_et_pb_side_nav','off'),(9736,2013,'_yoast_wpseo_primary_category','18'),(9737,2013,'_yoast_wpseo_estimated-reading-time-minutes','2'),(9738,2013,'_wp_old_date','2024-12-11'),(9739,2013,'_wp_old_date','2024-12-18'),(9740,2013,'_wp_old_date','2025-01-08'),(9741,2013,'_et_builder_dynamic_assets_loading_attr_threshold','5'),(9742,2013,'content-type',''),(9743,2013,'_wp_old_slug','amalie-post'),(9744,2013,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9745,2013,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9746,2013,'_wp_old_slug','optimizing-customer-experience'),(9747,2013,'_yoast_wpseo_content_score','30'),(9748,2013,'ppma_disable_author_box','1'),(9749,2013,'_et_pb_show_page_creation','off'),(9750,2013,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Given the level of detail and timing of private equity manager reports, can pension funds disclose investment costs in a consistent manner across the industry? What would full cost disclosure require of a pension fund? We found a good example of this in one of our benchmarking clients.<br />\nIn 2013, the South Carolina Retirement System Investment Commission (SCRSIC) retained CEM Benchmarking Inc. (CEM) a to perform an independent review of South Carolina Retirement Systems’ (South Carolina) investment costs and performance. SCRSIC naturally assumed that the costs benchmarked by CEM would match the investment costs that are reported in South Carolina’s Comprehensive Annual Financial Report (CAFR). To their surprise, CEM could only benchmark about 50% of the investment costs reported in South Carolina’s CAFR.<br />\nSouth Carolina invests more assets in alternative investments, such as private equity (PE), hedge funds and real estate, than many other U.S. public funds. Their allocation to alternatives of 30% as per their 2014 CAFR [1] compared to the CEM U.S. Public universe average of 19% in 2013. Alternative asset classes, especially PE, are typically more expensive and have more complex cost structures than public asset classes. This makes cost disclosure and cost benchmarking difficult at best. For the portion of costs that CEM can now benchmark for U.S. funds, CEM’s analysis found that South Carolina’s investment costs were in line with those of other public pension funds after adjusting for fund size and asset mix.<br />\nSouth Carolina’s CAFR generated some negative press coverage that alleged their investment costs were unjustifiably high. However, after reviewing SCRSIC’s cost collection process, we conclude that they are simply reporting more costs than other funds rather than incurring more costs. CEM authored this paper to create momentum for improving investment cost reporting standards and disclosure, especially for private equity. Less than one‐half of the very substantial PE costs incurred by U.S. pension funds are currently being disclosed.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/CEM_article_-_The_time_has_come_for_standardized_total_cost_disclosure_for_private_equity.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9751,2013,'_et_pb_truncate_post_date','2025-01-08 22:16:45'),(9752,2013,'_et_pb_built_for_post_type','page'),(9753,2013,'_et_pb_ab_subjects',''),(9754,2013,'_et_pb_enable_shortcode_tracking',''),(9755,2013,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2013\" /]'),(9756,2013,'_et_pb_custom_css',''),(9757,2013,'_et_pb_gutter_width','3'),(9758,2013,'_thumbnail_id','78'),(9759,2013,'_global_colors_info','{}'),(9760,2013,'_et_pb_first_image',''),(9761,2013,'_et_builder_version','VB|Divi|4.27.4'),(9767,2013,'_dp_original','1997'),(9768,2013,'_edit_lock','1737064380:2'),(9770,2014,'footnotes',''),(9775,2013,'_edit_last','2'),(9782,2015,'footnotes',''),(9788,2017,'ppma_authors_name','Keith Ambachtsheer'),(9789,2017,'ppma_authors_name','Keith Ambachtsheer'),(9790,2017,'ppma_authors_name','Keith Ambachtsheer'),(9791,2017,'ppma_authors_name','Keith Ambachtsheer'),(9792,2017,'ppma_authors_name','Keith Ambachtsheer'),(9793,2017,'ppma_authors_name','Keith Ambachtsheer'),(9794,2017,'_et_pb_use_builder','on'),(9795,2017,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9796,2017,'_et_gb_content_width','1080'),(9797,2017,'footnotes',''),(9798,2017,'_et_post_bg_color','#ffffff'),(9799,2017,'_et_post_bg_layout','light'),(9800,2017,'_et_pb_show_title','off'),(9801,2017,'_et_pb_post_hide_nav','default'),(9802,2017,'_et_pb_page_layout','et_no_sidebar'),(9803,2017,'_et_pb_side_nav','off'),(9804,2017,'_yoast_wpseo_primary_category','18'),(9805,2017,'_yoast_wpseo_estimated-reading-time-minutes','1'),(9806,2017,'_wp_old_date','2024-12-11'),(9807,2017,'_wp_old_date','2024-12-18'),(9808,2017,'_wp_old_date','2025-01-08'),(9809,2017,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9810,2017,'content-type',''),(9811,2017,'_wp_old_slug','amalie-post'),(9812,2017,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9813,2017,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9814,2017,'_wp_old_slug','optimizing-customer-experience'),(9815,2017,'_yoast_wpseo_content_score','90'),(9816,2017,'ppma_disable_author_box','1'),(9817,2017,'_et_pb_show_page_creation','off'),(9818,2017,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">In this study, we explore the organizational and performance implications for organizations that integrate (sustainability into their) corporate policies. Our overarching thesis is that such organizations represent an alternative and distinct way of competing for the modern corporation, characterized by a governance structure that in addition to financial performance, accounts for the environmental and social impact of the company, a long-term approach to maximizing inter-temporal profits, an active stakeholder management process, and more developed measurement and reporting systems…<br />\nAll recipients of this Letter recently received a copy of our survey-based study on pension governance quality and long-term investing effectiveness. Its key messages were that many of the 81 pension organizations in the survey have some way to go in devising effective organizational governance and long-term investing processes. A hopeful finding was a positive correlation between perceived governance quality and long-term investing effectiveness. While these findings are material, they beg an important question: does better governance really lead to better organizational outcomes over the long-term? The stronger the evidence that this is actually the case, the stronger the case that pension organizations and their stakeholders should actively work to raise the effectiveness of their governance processes. They would have a clear fiduciary duty to do so.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Ambachtsheer_Letter_02_2015.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9819,2017,'_et_pb_truncate_post_date','2025-01-08 22:24:08'),(9820,2017,'_et_pb_built_for_post_type','page'),(9821,2017,'_et_pb_ab_subjects',''),(9822,2017,'_et_pb_enable_shortcode_tracking',''),(9823,2017,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2017\" /]'),(9824,2017,'_et_pb_custom_css',''),(9825,2017,'_et_pb_gutter_width','3'),(9826,2017,'_thumbnail_id','78'),(9827,2017,'_global_colors_info','{}'),(9828,2017,'_et_pb_first_image',''),(9829,2017,'_et_builder_version','VB|Divi|4.27.4'),(9835,2017,'_dp_original','1997'),(9836,2017,'_edit_lock','1737064493:2'),(9838,2018,'footnotes',''),(9843,2017,'_edit_last','2'),(9849,2019,'footnotes',''),(9855,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9856,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9857,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9858,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9859,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9860,2021,'ppma_authors_name','Keith Ambachtsheer, John McLaughlin'),(9861,2021,'_et_pb_use_builder','on'),(9862,2021,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9863,2021,'_et_gb_content_width','1080'),(9864,2021,'footnotes',''),(9865,2021,'_et_post_bg_color','#ffffff'),(9866,2021,'_et_post_bg_layout','light'),(9867,2021,'_et_pb_show_title','off'),(9868,2021,'_et_pb_post_hide_nav','default'),(9869,2021,'_et_pb_page_layout','et_no_sidebar'),(9870,2021,'_et_pb_side_nav','off'),(9871,2021,'_yoast_wpseo_primary_category','18'),(9872,2021,'_yoast_wpseo_estimated-reading-time-minutes','2'),(9873,2021,'_wp_old_date','2024-12-11'),(9874,2021,'_wp_old_date','2024-12-18'),(9875,2021,'_wp_old_date','2025-01-08'),(9876,2021,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(9877,2021,'content-type',''),(9878,2021,'_wp_old_slug','amalie-post'),(9879,2021,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9880,2021,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9881,2021,'_wp_old_slug','optimizing-customer-experience'),(9882,2021,'_yoast_wpseo_content_score','60'),(9883,2021,'ppma_disable_author_box','1'),(9884,2021,'_et_pb_show_page_creation','off'),(9885,2021,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">This study marks the continuation of a series of survey-based research projects on pension fund governance by the authors and colleagues that stretch back over 20 years. A catalyst for this new effort was the Focusing Capital on the Long Term (FCLT) initiative launched by Dominic Barton (McKinsey) and Mark Wiseman (CPP Investment Board) in 2013.1 In a subsequent Harvard Business Review article that provided context for the FCLT initiative, they wrote: &#8216;If asset owners and managers are to do a better job of investing for the long-term, they need to run their organizations in a way that supports and reinforces this.&#8217;<br />\nObviously, the quality of the governance function in asset owner organizations is critical to this “do a better job of investing for the long-term” quest. Given our prior survey experience in the governance area, we offered to update our work in support of the FCLT initiative, and at the same time, gain a better understanding of the degree to which pension funds actually practice ‘long-termism’ in investing. We sent out a survey in June 2014 to 180 CEOs (or equivalents) of major pension (and related) organizations around the world. The survey’s governance component was identical to prior surveys sent out in 1997 and 2005. Two months later we began the work of analyzing the 81 completed surveys, comparing the 2014 governance-related responses to those provided in 1997 and 2005, and interpreting the responses in the long-term investing part of the survey. This paper sets out our findings, and their implications for raising the effectiveness of the governance and investment functions of pension (and related) organizations.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Pension_Governance_and_LT_Investing.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9886,2021,'_et_pb_truncate_post_date','2025-01-08 22:39:35'),(9887,2021,'_et_pb_built_for_post_type','page'),(9888,2021,'_et_pb_ab_subjects',''),(9889,2021,'_et_pb_enable_shortcode_tracking',''),(9890,2021,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2021\" /]'),(9891,2021,'_et_pb_custom_css',''),(9892,2021,'_et_pb_gutter_width','3'),(9893,2021,'_thumbnail_id','78'),(9894,2021,'_global_colors_info','{}'),(9895,2021,'_et_pb_first_image',''),(9896,2021,'_et_builder_version','VB|Divi|4.27.4'),(9902,2021,'_dp_original','1997'),(9903,2021,'_edit_lock','1737064497:2'),(9905,2022,'footnotes',''),(9910,2021,'_edit_last','2'),(9917,2023,'footnotes',''),(9922,2024,'ppma_authors_name','Alexander D. Beath'),(9923,2024,'ppma_authors_name','Alexander D. Beath'),(9924,2024,'ppma_authors_name','Alexander D. Beath'),(9925,2024,'ppma_authors_name','Alexander D. Beath'),(9926,2024,'ppma_authors_name','Alexander D. Beath'),(9927,2024,'ppma_authors_name','Alexander D. Beath'),(9928,2024,'_et_pb_use_builder','on'),(9929,2024,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9930,2024,'_et_gb_content_width','1080'),(9931,2024,'footnotes',''),(9932,2024,'_et_post_bg_color','#ffffff'),(9933,2024,'_et_post_bg_layout','light'),(9934,2024,'_et_pb_show_title','off'),(9935,2024,'_et_pb_post_hide_nav','default'),(9936,2024,'_et_pb_page_layout','et_no_sidebar'),(9937,2024,'_et_pb_side_nav','off'),(9938,2024,'_yoast_wpseo_primary_category','18'),(9939,2024,'_yoast_wpseo_estimated-reading-time-minutes','2'),(9940,2024,'_wp_old_date','2024-12-11'),(9941,2024,'_wp_old_date','2024-12-18'),(9942,2024,'_wp_old_date','2025-01-08'),(9943,2024,'_et_builder_dynamic_assets_loading_attr_threshold','5'),(9944,2024,'content-type',''),(9945,2024,'_wp_old_slug','amalie-post'),(9946,2024,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(9947,2024,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(9948,2024,'_wp_old_slug','optimizing-customer-experience'),(9949,2024,'_yoast_wpseo_content_score','30'),(9950,2024,'ppma_disable_author_box','1'),(9951,2024,'_et_pb_show_page_creation','off'),(9952,2024,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Can large institutional investors beat the market and deliver added value above and beyond their benchmarks? We answer this question using a massive data set comprised of 6,666 samples drawn from a global set of defined benefit pension plans along with a handful of sovereign wealth funds and buffer funds spanning 1992‐2013. Gross of investment management expenses, funds deliver 58 basis points of value added. Net of investment management expenses, funds deliver 16 basis points of value added. A deep regression analysis indicates that beating the market is rooted in active asset management paired with cost savings gained through scale and managing assets in‐house.<br />\nThe primary way pension funds quantify their performance remains the tried and true method of constructing a total fund policy benchmark based on asset class policy weights and comparing their performance to it. While some in the industry see the method as being outdated, the benefits remain clear; fund performance is easily separated into two parts, a return that can be attributed to active management (i.e., alpha) and a return attributed to the market (i.e., beta). As the method is available to all, even those who feel it imperfect should perform the exercise to answer the simple question; did you get what you paid for?<br />\nA widely held academic belief is that the result of the exercise should show that active investors have, on average, no advantage over passive investors (i.e., alpha is zero). This view of markets is rooted in the efficient market hypothesis [1,2]. A problem with testing the hypothesis is that the separation between alpha and beta is not always clear; where one set of benchmarks demonstrates a non‐zero alpha, another set can almost always be found that shows that the alpha is zero.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Total_Fund_Value_Added_Final_Feb9.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(9953,2024,'_et_pb_truncate_post_date','2025-01-08 22:32:46'),(9954,2024,'_et_pb_built_for_post_type','page'),(9955,2024,'_et_pb_ab_subjects',''),(9956,2024,'_et_pb_enable_shortcode_tracking',''),(9957,2024,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2024\" /]'),(9958,2024,'_et_pb_custom_css',''),(9959,2024,'_et_pb_gutter_width','3'),(9960,2024,'_thumbnail_id','78'),(9961,2024,'_global_colors_info','{}'),(9962,2024,'_et_pb_first_image',''),(9963,2024,'_et_builder_version','VB|Divi|4.27.4'),(9969,2024,'_dp_original','1997'),(9970,2024,'_edit_lock','1737064496:2'),(9972,2025,'footnotes',''),(9977,2024,'_edit_last','2'),(9984,2026,'footnotes',''),(9989,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9990,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9991,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9992,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9993,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9994,2027,'ppma_authors_name','Alexander D. Beath, Chris Flynn, Rotman International Journal of Pension Management'),(9995,2027,'_et_pb_use_builder','on'),(9996,2027,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(9997,2027,'_et_gb_content_width','1080'),(9998,2027,'footnotes',''),(9999,2027,'_et_post_bg_color','#ffffff'),(10000,2027,'_et_post_bg_layout','light'),(10001,2027,'_et_pb_show_title','off'),(10002,2027,'_et_pb_post_hide_nav','default'),(10003,2027,'_et_pb_page_layout','et_no_sidebar'),(10004,2027,'_et_pb_side_nav','off'),(10005,2027,'_yoast_wpseo_primary_category','18'),(10006,2027,'_yoast_wpseo_estimated-reading-time-minutes','1'),(10007,2027,'_wp_old_date','2024-12-11'),(10008,2027,'_wp_old_date','2024-12-18'),(10009,2027,'_wp_old_date','2025-01-08'),(10010,2027,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(10011,2027,'content-type',''),(10012,2027,'_wp_old_slug','amalie-post'),(10013,2027,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(10014,2027,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(10015,2027,'_wp_old_slug','optimizing-customer-experience'),(10016,2027,'_yoast_wpseo_content_score','90'),(10017,2027,'ppma_disable_author_box','1'),(10018,2027,'_et_pb_show_page_creation','off'),(10019,2027,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">This article describes a study that analyzed the private equity performance and costs of large pension funds. Using data from the CEM Benchmarking Inc. (CEM) database, we establish that implementation style affects net performance: internal management outperforms external management, and external management outperforms funds of funds (FOF). Since the difference in net performance is due largely to cost, we examine the cost differential of various implementation styles as well as some of the challenges in understanding the true costs of investing in the private equity asset class.<br />\nThe raw material for this study came from the databases of CEM Benchmarking Inc.1 These databases contain performance and cost information on more than 1,000 pension and sovereign wealth funds from around the globe. Assets under management as of December 31, 2012, ranged from US$0.4 billion to US$644.8 billion, with an average size of US$18.3 billion and aggregate assets of US$6.8 trillion. The actual allocation per fund to private equity in 2012 ranged from 0.0% to 25.5%, with an average of 4.1% and a median of 2.9%.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Article_Illiquid_Assets.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(10020,2027,'_et_pb_truncate_post_date','2025-01-08 22:34:35'),(10021,2027,'_et_pb_built_for_post_type','page'),(10022,2027,'_et_pb_ab_subjects',''),(10023,2027,'_et_pb_enable_shortcode_tracking',''),(10024,2027,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2027\" /]'),(10025,2027,'_et_pb_custom_css',''),(10026,2027,'_et_pb_gutter_width','3'),(10027,2027,'_thumbnail_id','78'),(10028,2027,'_global_colors_info','{}'),(10029,2027,'_et_pb_first_image',''),(10030,2027,'_et_builder_version','VB|Divi|4.27.4'),(10036,2027,'_dp_original','1997'),(10037,2027,'_edit_lock','1737064499:2'),(10039,2028,'footnotes',''),(10044,2027,'_edit_last','2'),(10050,2029,'footnotes',''),(10055,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10056,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10057,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10058,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10059,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10060,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10061,2030,'ppma_authors_name','Alexander D. Beath, Rotman International Journal of Pension Management'),(10062,2030,'_et_pb_use_builder','on'),(10063,2030,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(10064,2030,'_et_gb_content_width','1080'),(10065,2030,'footnotes',''),(10066,2030,'_et_post_bg_color','#ffffff'),(10067,2030,'_et_post_bg_layout','light'),(10068,2030,'_et_pb_show_title','off'),(10069,2030,'_et_pb_post_hide_nav','default'),(10070,2030,'_et_pb_page_layout','et_no_sidebar'),(10071,2030,'_et_pb_side_nav','off'),(10072,2030,'_yoast_wpseo_primary_category','18'),(10073,2030,'_yoast_wpseo_estimated-reading-time-minutes','2'),(10074,2030,'_wp_old_date','2024-12-11'),(10075,2030,'_wp_old_date','2024-12-18'),(10076,2030,'_wp_old_date','2025-01-08'),(10077,2030,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(10078,2030,'content-type',''),(10079,2030,'_wp_old_slug','amalie-post'),(10080,2030,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(10081,2030,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(10082,2030,'_wp_old_slug','optimizing-customer-experience'),(10083,2030,'_yoast_wpseo_content_score','90'),(10084,2030,'ppma_disable_author_box','1'),(10085,2030,'_et_pb_show_page_creation','off'),(10086,2030,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">This survey-based study looks at the risk-management practices of large pension funds, relying on responses from 27 funds around the world with total assets of US$2.7 trillion. The primary driver for differences in the number of full-time equivalent risk-management staff (risk FTE), which ranged from 3 to 96, is the complexity of the investment program. We explore differences in risk FTE across seven different risk activities and discuss sources of variation between funds. We also look at “new paradigm” risk-management practices, which have become more common among the participating funds, demonstrating that risk management has become much more prominent.<br />\nThrough a collaborative benchmarking forum organized by CEM Benchmarking Inc. (CEM),1 27 leading pension funds from Australia, Canada, Europe, Korea, New Zealand, the United Kingdom, and the United States came together last year to share information on their risk management practices. Each of these organizations has significant internal operations and varying degrees of complexity. The overarching goals of the forum were for the funds to learn from each other and to gain new perspectives on shared management challenges related to risk management.<br />\nThis article focuses on the differences in the number of fulltime-equivalent risk-management staff (risk FTE), both at the global level and at the level of seven different individual activities. We establish that the principal driver of differences in risk FTE is the complexity of the investment program. We also discuss “new paradigm” risk-management practices, which have become more common at many of the participating funds, demonstrating that risk management has become more prominent. Finally, we note what participants identified as their biggest risks.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/Risk_Management_Practices_At_Large_Pension_Plans%20(1).pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(10087,2030,'_et_pb_truncate_post_date','2025-01-16 21:49:51'),(10088,2030,'_et_pb_built_for_post_type','page'),(10089,2030,'_et_pb_ab_subjects',''),(10090,2030,'_et_pb_enable_shortcode_tracking',''),(10091,2030,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2030\" /]'),(10092,2030,'_et_pb_custom_css',''),(10093,2030,'_et_pb_gutter_width','3'),(10094,2030,'_thumbnail_id','78'),(10095,2030,'_global_colors_info','{}'),(10096,2030,'_et_pb_first_image',''),(10097,2030,'_et_builder_version','VB|Divi|4.27.4'),(10103,2030,'_dp_original','2027'),(10104,2030,'_edit_lock','1737064500:2'),(10106,2031,'footnotes',''),(10111,2030,'_edit_last','2'),(10117,2032,'footnotes',''),(10122,2033,'ppma_authors_name','Keith Ambachtsheer'),(10123,2033,'ppma_authors_name','Keith Ambachtsheer'),(10124,2033,'ppma_authors_name','Keith Ambachtsheer'),(10125,2033,'ppma_authors_name','Keith Ambachtsheer'),(10126,2033,'ppma_authors_name','Keith Ambachtsheer'),(10127,2033,'ppma_authors_name','Keith Ambachtsheer'),(10128,2033,'ppma_authors_name','Keith Ambachtsheer'),(10129,2033,'_et_pb_use_builder','on'),(10130,2033,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(10131,2033,'_et_gb_content_width','1080'),(10132,2033,'footnotes',''),(10133,2033,'_et_post_bg_color','#ffffff'),(10134,2033,'_et_post_bg_layout','light'),(10135,2033,'_et_pb_show_title','off'),(10136,2033,'_et_pb_post_hide_nav','default'),(10137,2033,'_et_pb_page_layout','et_no_sidebar'),(10138,2033,'_et_pb_side_nav','off'),(10139,2033,'_yoast_wpseo_primary_category','18'),(10140,2033,'_yoast_wpseo_estimated-reading-time-minutes','1'),(10141,2033,'_wp_old_date','2024-12-11'),(10142,2033,'_wp_old_date','2024-12-18'),(10143,2033,'_wp_old_date','2025-01-08'),(10144,2033,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(10145,2033,'content-type',''),(10146,2033,'_wp_old_slug','amalie-post'),(10147,2033,'_wp_old_slug','an-empirical-analysis-of-the-drivers-of-record-keeping-cost-in-u-s-defined-contribution-plans'),(10148,2033,'_wp_old_slug','research-45-empirical-analysis-drivers-record-keeping-cost-us-defined-contribution-plans'),(10149,2033,'_wp_old_slug','optimizing-customer-experience'),(10150,2033,'_yoast_wpseo_content_score','60'),(10151,2033,'ppma_disable_author_box','1'),(10152,2033,'_et_pb_show_page_creation','off'),(10153,2033,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Finland has a pension system that, in a unique way, combines a compulsory legislative basis, similar benefits for all, partial funding and private organization of the pension provision. It is a hybrid, fulfilling the functions of first and second pillar pensions within the same scheme. The main pension scheme is a legislated and compulsory earnings-related scheme, which is supplemented by the residence-based, flat-rate pension scheme.<br />\nIn order to get a fresh international view of the Finnish pension system, the Finnish Centre for Pensions decided in 2011 to commission an independent evaluation study of the Finnish pension scheme. The purpose of the evaluation was to get a forward-looking external view of the Finnish pension system from an international perspective, including recommendations.</div>\n			</div><div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://20903941.fs1.hubspotusercontent-na1.net/hubfs/20903941/PDFs/Research%20Downloads/The_pension_system_in_Finland_Institutional_structure_and_governance.pdf\" target=\"_blank\" data-icon=\"&#x24;\">Download Full Article</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(10154,2033,'_et_pb_truncate_post_date','2025-01-28 12:30:41'),(10155,2033,'_et_pb_built_for_post_type','page'),(10156,2033,'_et_pb_ab_subjects',''),(10157,2033,'_et_pb_enable_shortcode_tracking',''),(10158,2033,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2033\" /]'),(10159,2033,'_et_pb_custom_css',''),(10160,2033,'_et_pb_gutter_width','3'),(10161,2033,'_thumbnail_id','78'),(10162,2033,'_global_colors_info','{}'),(10163,2033,'_et_pb_first_image',''),(10164,2033,'_et_builder_version','VB|Divi|4.27.4'),(10170,2033,'_dp_original','2003'),(10171,2033,'_edit_lock','1737064390:2'),(10173,2034,'footnotes',''),(10178,2033,'_edit_last','2'),(10185,2035,'footnotes',''),(10212,2037,'footnotes',''),(10217,2038,'footnotes',''),(10222,2039,'footnotes',''),(10227,2040,'footnotes',''),(10249,2042,'footnotes',''),(10254,2043,'footnotes',''),(10260,2045,'footnotes',''),(10314,2065,'footnotes',''),(10320,2067,'footnotes',''),(10325,2068,'footnotes',''),(10331,2070,'footnotes',''),(10336,2071,'footnotes',''),(10342,2073,'footnotes',''),(10348,2075,'footnotes',''),(10354,2077,'footnotes',''),(10359,2078,'footnotes',''),(10364,2079,'footnotes',''),(10370,2081,'footnotes',''),(10375,2082,'footnotes',''),(10381,2084,'footnotes',''),(10386,2085,'footnotes',''),(10391,2086,'footnotes',''),(10397,2088,'footnotes',''),(10402,2089,'footnotes',''),(10408,2091,'footnotes',''),(10414,2093,'footnotes',''),(10419,2094,'footnotes',''),(10424,2095,'footnotes',''),(10429,2096,'footnotes',''),(10434,2097,'footnotes',''),(10439,2098,'footnotes',''),(10445,2100,'footnotes',''),(10455,2101,'footnotes',''),(10460,2102,'footnotes',''),(10465,2103,'footnotes',''),(10471,2105,'footnotes',''),(10476,2106,'footnotes',''),(10481,2107,'_wp_attached_file','2025/01/pexels-brett-sayles-2097627.jpg'),(10482,2107,'_wp_attachment_metadata','a:6:{s:5:\"width\";i:1280;s:6:\"height\";i:852;s:4:\"file\";s:39:\"2025/01/pexels-brett-sayles-2097627.jpg\";s:8:\"filesize\";i:82305;s:5:\"sizes\";a:0:{}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(10483,2108,'footnotes',''),(10488,2109,'footnotes',''),(10494,2111,'footnotes',''),(10500,2113,'footnotes',''),(10560,2127,'footnotes',''),(10570,2129,'footnotes',''),(10584,2132,'footnotes',''),(10606,2134,'footnotes',''),(10618,2138,'footnotes',''),(10919,16,'_yoast_indexnow_last_ping','1738179677'),(10920,2143,'footnotes',''),(10926,2145,'footnotes',''),(10931,2146,'footnotes',''),(10936,1397,'_yoast_indexnow_last_ping','1737063670'),(10937,1397,'_yoast_wpseo_content_score','90'),(10938,1397,'_yoast_wpseo_focuskeywords',''),(10939,1397,'_yoast_wpseo_keywordsynonyms',''),(10952,41,'_yoast_indexnow_last_ping','1738250587'),(10953,41,'_yoast_wpseo_focuskw','CEM Benchmarking Team'),(10954,41,'_yoast_wpseo_title','Meet the talented team behind CEM Benchmarking'),(10955,41,'_yoast_wpseo_metadesc','Our specialist team is dedicated to providing top-notch benchmarking services. 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It finds the proportion of Canadian listed equity and fixed income holdings is relatively high compared to the global share of Canadian assets, but has come down dramatically in the last ten years. Citing examples from Australia and India, the authors highlight opportunities for Canadian governments to monetize strategic assets and lure more investment from Canadian pension funds and others.</p>\n<!-- /wp:paragraph -->'),(12560,2304,'_et_gb_content_width','1080'),(12561,2304,'content-type',''),(12562,2304,'footnotes',''),(12563,2304,'ppma_disable_author_box','1'),(12564,2304,'_et_post_bg_color','#ffffff'),(12565,2304,'_et_post_bg_layout','light'),(12566,2304,'_et_pb_show_title','on'),(12567,2304,'_et_pb_post_hide_nav','default'),(12568,2304,'_et_pb_page_layout','et_no_sidebar'),(12569,2304,'_et_pb_side_nav','off'),(12570,2304,'_yoast_wpseo_primary_category','18'),(12571,2304,'_yoast_wpseo_content_score','60'),(12572,2304,'_yoast_wpseo_estimated-reading-time-minutes','1'),(12573,2304,'_wp_old_date','2024-12-18'),(12574,2304,'_et_builder_dynamic_assets_loading_attr_threshold','5'),(12575,2304,'_et_pb_show_page_creation','off'),(12576,2304,'_et_pb_built_for_post_type','page'),(12577,2304,'_et_pb_ab_subjects',''),(12578,2304,'_et_pb_enable_shortcode_tracking',''),(12579,2304,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2304\" /]'),(12580,2304,'_et_pb_custom_css',''),(12581,2304,'_et_pb_gutter_width','3'),(12582,2304,'_thumbnail_id','78'),(12583,2304,'_global_colors_info','{}'),(12584,2304,'_et_pb_first_image',''),(12585,2304,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. This analysis explains this variance from a line-up and plan characteristics perspective: Key cost drivers include economies of scale, managed accounts, and proprietary investment options. These factors together explain about 25% of the variance in cost, indicating that recordkeeping is not a commoditized service. Moreover, higher participant account balances do not reduce costs.<br />\nFor plan sponsors looking to optimize their recordkeeping costs, understanding these factors is crucial. Download the whitepaper by filling out the form below and see how you can make more informed decisions about your plan’s fees.</p></div>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_code et_pb_code_0  et_pb_text_align_center\">\n				\n				\n				\n				\n				\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(12586,2304,'_et_pb_truncate_post_date','2025-01-20 19:29:42'),(12587,2304,'_et_builder_version','VB|Divi|4.27.4'),(12588,2304,'_wp_old_slug','should-canada-require-its-pension-funds-to-invest-more-domestically'),(12589,2304,'_yoast_indexnow_last_ping','1737401289'),(12590,2304,'_yoast_wpseo_focuskeywords',''),(12591,2304,'_yoast_wpseo_keywordsynonyms',''),(12596,2304,'_dp_original','1286'),(12597,2304,'_edit_lock','1737400989:2'),(12599,2304,'_wp_old_date','2025-01-20'),(12600,2305,'footnotes',''),(12605,2304,'_edit_last','2'),(12612,2308,'footnotes',''),(12615,2309,'footnotes',''),(12648,2310,'ppma_authors_name','Amalie Kubach'),(12649,2310,'ppma_authors_name','Top1000funds.com, CEM Benchmarking'),(12650,2310,'ppma_authors_name','Top1000funds.com, CEM Benchmarking'),(12651,2310,'_et_pb_use_builder','on'),(12652,2310,'_et_pb_old_content','<!-- wp:paragraph -->\n<p>Recordkeeping cost in our $1.3 trillion DC database vary widely, from $20 to $80 per participant annually. 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Download the whitepaper below to get CEM Benchmarking’s insights to see how you can make more informed decisions about your plan’s fees.</p>\n<!-- /wp:paragraph -->'),(12653,2310,'_et_gb_content_width','1080'),(12654,2310,'footnotes',''),(12655,2310,'_et_post_bg_color','#ffffff'),(12656,2310,'_et_post_bg_layout','light'),(12657,2310,'_et_pb_show_title','off'),(12658,2310,'_et_pb_post_hide_nav','default'),(12659,2310,'_et_pb_page_layout','et_no_sidebar'),(12660,2310,'_et_pb_side_nav','off'),(12661,2310,'_yoast_wpseo_primary_category','18'),(12662,2310,'_yoast_wpseo_estimated-reading-time-minutes','1'),(12663,2310,'_wp_old_date','2024-12-11'),(12664,2310,'_wp_old_date','2024-12-18'),(12665,2310,'_wp_old_date','2024-12-24'),(12666,2310,'_et_builder_dynamic_assets_loading_attr_threshold','3'),(12667,2310,'content-type',''),(12668,2310,'_wp_old_slug','amalie-post'),(12669,2310,'_yoast_wpseo_content_score','60'),(12670,2310,'ppma_disable_author_box','1'),(12671,2310,'_et_pb_show_page_creation','off'),(12672,2310,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\" >\n				\n				\n				\n				\n				\n				\n				<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\">The Global Pension Transparency Benchmark is promoting transparency for better pension outcomes.</p>\n<p>Pension funds and other asset owners worldwide are striving to adopt higher transparency and disclosure standards for the benefit of their stakeholders. Where is your fund in this journey? More importantly, how will you keep up with industry best practices?</p>\n<p>The Global Pension Transparency Benchmark is a world first global standard for pension disclosure, bringing a focus to transparency in a bid to improve pension outcomes for members.</p>\n<p>The GPTB ranks 15 countries on public disclosures of key value-generation elements for the five largest pension fund organisations within each country. The GPTB focuses on the transparency and quality of public disclosures with quality relating to the completeness, clarity, information value and comparability of disclosures.</p>\n<p>The overall country and fund scores look at four factors: governance and organisation; performance; costs; and responsible investing, which are measured by assessing hundreds of underlying components.</p>\n<p>At CEM, we also offer our own services in Transparency Benchmarking. The CEM Transparency Benchmark is a comprehensive assessment that covers major impact areas and consider critical goals in your transparency journey. You can read more about our transparency benchmarking services here.</div>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				\n				\n				<div class=\"et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module \">\n				<a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_dark\" href=\"https://global-pension-transparency-benchmark.top1000funds.com/\" target=\"_blank\" data-icon=\"&#x24;\">Read here</a>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(12673,2310,'_et_pb_truncate_post_date','2025-01-20 21:28:22'),(12674,2310,'_et_pb_built_for_post_type','page'),(12675,2310,'_et_pb_ab_subjects',''),(12676,2310,'_et_pb_enable_shortcode_tracking',''),(12677,2310,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"2310\" /]'),(12678,2310,'_et_pb_custom_css',''),(12679,2310,'_et_pb_gutter_width','3'),(12680,2310,'_thumbnail_id','78'),(12681,2310,'_global_colors_info','{}'),(12682,2310,'_et_pb_first_image',''),(12683,2310,'_et_builder_version','VB|Divi|4.27.4'),(12685,2310,'_yoast_indexnow_last_ping','1737408471'),(12686,2310,'_yoast_wpseo_focuskeywords',''),(12687,2310,'_yoast_wpseo_keywordsynonyms',''),(12692,2310,'_dp_original','1616'),(12693,2310,'_edit_lock','1737405075:2'),(12696,2312,'footnotes',''),(12716,1616,'_yoast_wpseo_metadesc','The Global Pension Transparency Benchmark ranks 15 countries on key value-generation elements for the five largest pension funds.'),(12721,2313,'_wp_attached_file','2025/01/2024-GPTB_MREC.png'),(12722,2313,'_wp_attachment_metadata','a:6:{s:5:\"width\";i:300;s:6:\"height\";i:250;s:4:\"file\";s:26:\"2025/01/2024-GPTB_MREC.png\";s:8:\"filesize\";i:39203;s:5:\"sizes\";a:0:{}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(12723,2313,'_wp_attachment_image_alt','See the results of the 2024 GPTB report'),(12724,2314,'_wp_attached_file','2025/01/GPTB-2024-How-did-your-fund-rank.png'),(12725,2314,'_wp_attachment_metadata','a:6:{s:5:\"width\";i:700;s:6:\"height\";i:500;s:4:\"file\";s:44:\"2025/01/GPTB-2024-How-did-your-fund-rank.png\";s:8:\"filesize\";i:65222;s:5:\"sizes\";a:0:{}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(12726,2314,'_wp_attachment_image_alt',''),(12728,2316,'footnotes',''),(12733,2317,'footnotes',''),(12747,2318,'footnotes',''),(12752,2107,'_wp_attachment_image_alt','Global Pension Transparency Benchmarking Service'),(12758,1616,'_yoast_wpseo_focuskw','Global Pension Transparency Benchmarking'),(12759,1616,'_yoast_wpseo_linkdex','65'),(12765,2320,'footnotes',''),(12771,2321,'footnotes',''),(12777,2322,'footnotes',''),(12784,2323,'footnotes',''),(12795,1616,'_encloseme','1'),(12796,1616,'_yoast_wpseo_title','Global Pension Transparency Benchmarking %%sep%% CEM Benchmarking'),(12802,206,'_wp_attachment_image_alt','CEM\'s data principles'),(12803,138,'_wp_attachment_image_alt','Transparency, Accountability, Better Outcomes'),(12804,2325,'footnotes',''),(12809,30,'_yoast_wpseo_focuskw','Transparency Benchmarking'),(12810,30,'_yoast_wpseo_title','Transparency Benchmarking Service %%sep%% CEM Benchmarking'),(12811,30,'_yoast_wpseo_metadesc','CEM Transparency Benchmark is a thorough assessment that covers key impact areas and considers critical goals in your transparency journey'),(12818,2327,'footnotes',''),(12823,140,'_wp_attachment_image_alt','Transparency Leadership. 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.border-bg-around-member:not(.sptp-content-on-image){border:0px solid #494949;border-radius:8px;background-color:#ffffff;}#sptp-2441 .border-bg-around-member:not(.sptp-content-on-image):hover{border-color:#444;}#sptp-2441 .sp-team-item .sptp-member{margin:17.5px 20px;padding:10px 10px 20px 10px;}#sptp-2441 .sptp-list-item.sptp-member,#sptp-2441.sptp-section .sptp-member{box-shadow:4px 4px 10px 4px #ECECEC ;}#sptp-2441 .sptp-list-item.sptp-member,#sptp-2441.sptp-carousel .sptp-member{margin-left:5px ;}#sptp-2441 .sptp-list-item.sptp-member:hover,#sptp-2441.sptp-section .sptp-member:hover{box-shadow:4px 4px 10px 4px #dddddd ;}@media screen and (max-width: 480px) {\'#sptp-\' . 2441 . \' .sptp_nav_hide_on_mobile,\'#sptp-\' . 2441 . \' .sptp-pagination.sptp_pagination_hide_on_mobile {display: none;}}</style><div id=\"sptp-2441\"  class=\"sp-team sptp-carousel sptp-section sptp-new_page top_img_bottom_content\">\n	<h2 class=\"sptp-section-title\">\n			<span>Leadership</span>\n	</h2>\n	<div class=\"sptp-page-loading-image\"></div>\n		<div class=\"swiper-container sptp-main-carousel top-right\" data-carousel=\'{\n			\"speed\": 600,\n			\"items\": 4,\n			\"spaceBetween\": 40,\n			\"autoplay\": true,\n			\"autoplay_speed\": 5000,\n			\"loop\": true,\n			\"freeMode\": false,\n			\"autoHeight\": true,\n			\"watchOverflow\": true,\n			\"lazy\": false,\n			\"breakpoints\": {\n				\"desktop\": 4,\n				\"laptop\": 3,\n				\"tablet\": 2,\n				\"mobile\": 1,\n				\"desktop_pSlide\": 1,\n				\"laptop_pSlide\": 1,\n				\"tablet_pSlide\": 1,\n				\"mobile_pSlide\": 1			},\n			\"stop_onhover\": true,\n			\"mouse_wheel\": false,\n			\"allowTouchMove\": true,\n			\"simulateTouch\": true,\n			\"freeMode\": false,\n			\"enabled\": true,\n			\"prevSlideMessage\": \"Previous slide\",\n			\"nextSlideMessage\": \"Next slide\",\n			\"firstSlideMessage\": \"This is the first slide\",\n			\"lastSlideMessage\": \"This is the last slide\",\n			\"paginationBulletMessage\": \"Go to slide {{index}}\"\n		}\'>\n		<div class=\"swiper-wrapper top_img_bottom_content\">\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/john-simmonds-mba-fpmi/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/John-Simmonds-1.jpg\" alt=\"Leadership\" width=\"300\" height=\"300\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>John Simmonds</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">Head, Business Development, UK &amp; Europe</h4>\n	</div>\n</div><!-- .sptp-member -->\n				</div>\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/matt-coyle/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/Matt-Coyle.jpg\" alt=\"Leadership\" width=\"500\" height=\"500\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>Matt Coyle</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">Head, Client Experience</h4>\n	</div>\n</div><!-- .sptp-member -->\n				</div>\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/rashay-jethalal-mba-cfa/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/Rashay-sq.png\" alt=\"Leadership\" width=\"494\" height=\"494\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>Rashay Jethalal, MBA, CFA</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">CEO</h4>\n	</div>\n</div><!-- .sptp-member -->\n				</div>\n					</div>\n					</div>\n</div>\n</div>\n			</div><div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_center et_pb_bg_layout_light\">\n				\n				\n				\n				\n				<div class=\"et_pb_text_inner\"><style id=\"team_free_dynamic_css2448\">#sptp-2448 .sptp-main-carousel .swiper-button-next{color:#aaaaaa;background-color:transparent;border:1px solid #aaaaaa;}#sptp-2448 .sptp-main-carousel .swiper-button-prev{color:#aaaaaa;background-color:transparent;border:1px solid #aaaaaa;}#sptp-2448 .sptp-main-carousel .swiper-button-prev:hover{color:#ffffff;background-color:#63a37b;border-color:#63a37b;}#sptp-2448 .sptp-main-carousel 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.border-bg-around-member:not(.sptp-content-on-image):hover{border-color:#444;}#sptp-2448 .sp-team-item .sptp-member{margin:20px 20px;padding:0px 0px 0px 0px;}#sptp-2448 .sptp-list-item.sptp-member,#sptp-2448.sptp-section .sptp-member{box-shadow:none;}#sptp-2448 .sptp-list-item.sptp-member,#sptp-2448.sptp-carousel .sptp-member{margin-left:0px ;}#sptp-2448 .sptp-list-item.sptp-member:hover,#sptp-2448.sptp-section .sptp-member:hover{box-shadow:none;}@media screen and (max-width: 480px) {\'#sptp-\' . 2448 . \' .sptp_nav_hide_on_mobile,\'#sptp-\' . 2448 . \' .sptp-pagination.sptp_pagination_hide_on_mobile {display: none;}}</style><div id=\"sptp-2448\"  class=\"sp-team sptp-carousel sptp-section sptp-new_page top_img_bottom_content\">\n	<h2 class=\"sptp-section-title\">\n			<span>Client Coverage</span>\n	</h2>\n	<div class=\"sptp-page-loading-image\"></div>\n		<div class=\"swiper-container sptp-main-carousel top-right\" data-carousel=\'{\n			\"speed\": 600,\n			\"items\": 4,\n			\"spaceBetween\": 40,\n			\"autoplay\": true,\n			\"autoplay_speed\": 5000,\n			\"loop\": true,\n			\"freeMode\": false,\n			\"autoHeight\": true,\n			\"watchOverflow\": true,\n			\"lazy\": false,\n			\"breakpoints\": {\n				\"desktop\": 4,\n				\"laptop\": 3,\n				\"tablet\": 2,\n				\"mobile\": 1,\n				\"desktop_pSlide\": 1,\n				\"laptop_pSlide\": 1,\n				\"tablet_pSlide\": 1,\n				\"mobile_pSlide\": 1			},\n			\"stop_onhover\": true,\n			\"mouse_wheel\": false,\n			\"allowTouchMove\": true,\n			\"simulateTouch\": true,\n			\"freeMode\": false,\n			\"enabled\": true,\n			\"prevSlideMessage\": \"Previous slide\",\n			\"nextSlideMessage\": \"Next slide\",\n			\"firstSlideMessage\": \"This is the first slide\",\n			\"lastSlideMessage\": \"This is the last slide\",\n			\"paginationBulletMessage\": \"Go to slide {{index}}\"\n		}\'>\n		<div class=\"swiper-wrapper top_img_bottom_content\">\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/john-simmonds-mba-fpmi/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/John-Simmonds-1.jpg\" alt=\"Client Coverage\" width=\"300\" height=\"300\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>John Simmonds</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">Head, Business Development, UK &amp; Europe</h4>\n	</div>\n<div class=\"sptp-member-desc\">\n		John is responsible for business development and client service in the UK and Ireland.  John has worked in the pension industry for over 30 years and counts many of the UK’s largest pension schemes as clients.  He has written for numerous pension publications, featured in the UK national press and is a regular presenter at industry seminars.   John is a Fellow of the Pensions Management Institute (FPMI) with a Masters in Business Administration from Warwick Business School. He previously worked for Deloitte and Arthur Andersen. </div>\n</div><!-- .sptp-member -->\n				</div>\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/matt-coyle/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/Matt-Coyle.jpg\" alt=\"Client Coverage\" width=\"300\" height=\"300\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>Matt Coyle</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">Head, Client Experience</h4>\n	</div>\n<div class=\"sptp-member-desc\">\n		</div>\n</div><!-- .sptp-member -->\n				</div>\n							<div class=\"swiper-slide\">\n					<div class=\"sptp-member border-bg-around-member\">\n	<a class=\'sptp-member-avatar\' href=\"https://www.cembenchmarking.com/team/rashay-jethalal-mba-cfa/\" target=\"_blank\">\n	<span class=\"sptp-member-avatar-img sptp-square none\">\n		<img loading=\"lazy\" decoding=\"async\" src=\"https://www.cembenchmarking.com/wp-content/uploads/2024/12/Rashay-sq.png\" alt=\"Client Coverage\" width=\"300\" height=\"300\">\n	</span>\n</a>\n<div class=\"sptp-member-name\">\n		<h2 class=\'sptp-member-name-title\'>Rashay Jethalal, MBA, CFA</h2>\n	</div>\n<div class=\"sptp-member-profession\">\n			<h4 class=\"sptp-jop-title\">CEO</h4>\n	</div>\n<div class=\"sptp-member-desc\">\n		</div>\n</div><!-- .sptp-member -->\n				</div>\n					</div>\n					</div>\n</div>\n</div>\n			</div>\n			</div>\n				\n				\n				\n				\n			</div>\n				\n				\n			</div>\n'),(13931,2437,'_et_pb_truncate_post_date','2025-02-01 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