"Trustees should think twice before selecting or continuing retail-class shares, rather than institutional-class shares, in its investment offerings ... Fiduciaries should not do it alone.... The employer, plan providers and fiduciaries must recognize that changes in investment funds, including mapping, will or may directly affect certain required plan documents ... Be prepared: the Department of Labor has very significantly increased its attention (audit and otherwise) on investment and fiduciary processes ... Fiduciaries must properly evaluate (costs, risks, glide path, etc.) and select the target date funds (TDFs) most appropriate for that plan, just as with the other plan investments."