"Fund families and plan providers aren't likely to be champing at the bit for uniformity.... [It] is a fiduciary best practice to offer the same set of 'ingredients' to all participants, even within the QDIAs.... As for overlaying a glide path across custom QDIAs, it is not the execution that is difficult for many firms but rather the application of the correct investment thesis.... The average asset allocation of the top 30 TDFs at the point of retirement is 44% fixed income, 38% equity, 13% cash and 5% TIPS/real estate/commodities. This allocation is suitable for the average participant ... Benchmarking is a necessary evil if you are going to run custom models. There are likely to be times of high tracking error and times of low tracking error; it behooves the advisor to proactively discuss with prospective and current clients."  MORE >>