Selecting a Qualified Default Investment Alternative (QDIA)

Workforces are diverse—in how they invest, how they feel about risk and how they save. We believe one size doesn’t fit all in retirement planning, especially when it comes to selecting the QDIA for a plan. The following considerations were created to help during the evaluation process.

Managed accounts: A more personalized QDIA

As technology has improved and recordkeepers are able to automatically collect employee data, there is an opportunity to offer a personalized default service through a managed account.

Defining QDIA

When money is contributed to the plan without participant investment direction, it’s automatically invested in the QDIA that was selected by the plan fiduciary (typically the plan sponsor).

Learn more

Contact your Stadion representative at 800.222.7636 or email to learn how managed accounts can be a more personalized QDIA.

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1The 2022 BlackRock Read on Retirement. The study included 305 plan sponsors, 1,308 workplace savers, 1,300 independent savers, and 300 retirees.

2 Charles Schwab, 2021 401(k) Participant Study.

3 Plan Sponsor Council of America, Question of the Week “QOTW”. 14% of the sponsors who offer a managed account stated that "better fees for the participant" was a reason they offered the service. Better fees for the participant versus other options, inside or outside of the plan. None of the employers who provided responses were referencing Stadion’s managed account service.

There is no guarantee of the future performance of any Stadion account. Material has been derived from sources considered to be reliable, but the accuracy and completeness cannot be guaranteed. Stadion Money Management, LLC (“Stadion”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about Stadion’s investment advisory services can
be found in its Form ADV Part 2, which is available upon request. ©2023 Stadion Money Management, LLC. All rights reserved.  Stadion and the Stadion S are registered service marks of Stadion Money Management, LLC. StoryLine is a service mark of Stadion Money Management, LLC.