"The DOL apparently feels, with some justification, that it's unfair to punish plan sponsors for outcomes not in their control. The plan sponsors are only held responsible for leading their employees to the company's 401k plan, not for getting those same employees to sip the fine water of promise offered by the retirement plan.... in the spirit of the definition of 'fiduciary' that comes from trust law (i.e., always acting in the sole interest of the beneficiary), what can -- and should -- the 401k plan sponsor be doing above and beyond the call of ERISA to meet their fiduciary duty? ... Retirement readiness is fast becoming a concept more and more plan sponsors are embracing."