{"id":989147,"date":"2025-09-09T19:56:00","date_gmt":"2025-09-09T19:56:00","guid":{"rendered":"https:\/\/explorecem.com\/?p=989147"},"modified":"2026-04-22T19:48:54","modified_gmt":"2026-04-22T19:48:54","slug":"understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans","status":"publish","type":"post","link":"https:\/\/explorecem.com\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\/","title":{"rendered":"Understanding two distinct sources of data for U.S. Defined contribution retirement plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"989147\" class=\"elementor elementor-989147\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b16f6b6 e-flex e-con-boxed e-con e-parent\" data-id=\"7b16f6b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-42afd074 elementor-widget elementor-widget-text-editor\" data-id=\"42afd074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>Janjaap Weeda, Product Manager, Defined Contribution,<\/strong><br \/><strong>Kevin Vandolder, Director of Client Coverage, U.S. East,<\/strong><br \/><strong>Chris Flynn, Head of Research<\/strong><\/p>\n<p style=\"margin-bottom: 0px; padding-bottom: 1em; outline: 0px; font-size: 17px; text-size-adjust: 100%; background: #ffffff; color: #303030; font-family: Barlow, Helvetica, Arial, Lucida, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 300;\" data-start=\"91\" data-end=\"678\">\u00a0<\/p>\n<p>The question of which data source to trust for retirement plan cost benchmarking has significant implications for plan sponsors\u2019 fiduciary decisions. This research paper compares two commonly used data sources\u2014the US Department of Labor\u2019s Form 5500 regulatory filings and CEM Benchmarking\u2019s specialized database\u2014by analyzing 59 defined contribution plans that appear in both datasets. The study examines four key cost categories and investigates how different data collection methodologies inform benchmarking conclusions. It explores the structural factors that drive discrepancies between regulatory and specialized data sources, including reporting complexities, accounting variations, and data validation processes. The analysis reveals fundamental differences in how these sources capture and categorize plan costs, with important implications for plan governance decisions.<\/p>\n<p>Whether you\u2019re a plan sponsor, consultant, or pension professional responsible for cost oversight, this research offers critical insights into the reliability of different benchmarking approaches\u2014and why your data source choice matters for effective fiduciary decision-making.<\/p>\n<p>*Updated October 8, 2025 \u2013 Exhibit 7: Summary Table of Total Cost Benchmarking Results (p. 12).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22dff34 e-flex e-con-boxed e-con e-parent\" data-id=\"22dff34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-554164e elementor-widget elementor-widget-html\" data-id=\"554164e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script>\n<script>\n  hbspt.forms.create({\n    portalId: \"20903941\",\n    formId: \"a27d3feb-f7f2-4455-9d5a-c677e1936711\",\n    region: \"na1\"\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The question of which data source to trust for retirement plan cost benchmarking has significant implications for plan sponsors\u2019 fiduciary decisions. This research paper compares two commonly used data sources\u2014the US Department of Labor\u2019s Form 5500 regulatory filings and CEM Benchmarking\u2019s specialized database\u2014by analyzing 59 defined contribution plans that appear in both datasets. The study examines four key cost categories and investigates how different data collection methodologies inform benchmarking conclusions. It explores the structural factors that drive discrepancies between regulatory and specialized data sources, including reporting complexities, accounting variations, and data validation processes. The analysis reveals fundamental differences in how these sources capture and categorize plan costs, with important implications for plan governance decisions.<\/p>\n","protected":false},"author":2,"featured_media":990003,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[49],"tags":[],"class_list":["post-989147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding two distinct sources of data for U.S. Defined contribution retirement plans - CEM<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/explorecem.com\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding two distinct sources of data for U.S. Defined contribution retirement plans - CEM\" \/>\n<meta property=\"og:description\" content=\"The question of which data source to trust for retirement plan cost benchmarking has significant implications for plan sponsors\u2019 fiduciary decisions. This research paper compares two commonly used data sources\u2014the US Department of Labor\u2019s Form 5500 regulatory filings and CEM Benchmarking\u2019s specialized database\u2014by analyzing 59 defined contribution plans that appear in both datasets. The study examines four key cost categories and investigates how different data collection methodologies inform benchmarking conclusions. It explores the structural factors that drive discrepancies between regulatory and specialized data sources, including reporting complexities, accounting variations, and data validation processes. The analysis reveals fundamental differences in how these sources capture and categorize plan costs, with important implications for plan governance decisions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/explorecem.com\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\/\" \/>\n<meta property=\"og:site_name\" content=\"CEM\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-09T19:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-22T19:48:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/explorecem.com\/wp-content\/uploads\/2026\/03\/milad-fakurian-2sICkGsJRQY-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1945\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Isha Soni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isha Soni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/\"},\"author\":{\"name\":\"Isha Soni\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/#\\\/schema\\\/person\\\/d1fd8c73fd58cfe92eaf36868e65268f\"},\"headline\":\"Understanding two distinct sources of data for U.S. Defined contribution retirement plans\",\"datePublished\":\"2025-09-09T19:56:00+00:00\",\"dateModified\":\"2026-04-22T19:48:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/\"},\"wordCount\":197,\"publisher\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/explorecem.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/milad-fakurian-2sICkGsJRQY-unsplash-scaled.jpg\",\"articleSection\":[\"Research\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/\",\"url\":\"https:\\\/\\\/explorecem.com\\\/understanding-two-distinct-sources-of-data-for-u-s-defined-contribution-retirement-plans\\\/\",\"name\":\"Understanding two distinct sources of data for U.S. Defined contribution retirement plans - 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