"[1] Most [participants] are under the impression that they can't lose any money in your money market fund. In other words, participants tend to believe these funds are like savings accounts. That may no longer be true. [2] Ask your investment advisor to investigate the underlying credit quality of the investments in the money market fund you use. If it is weak, you may wish to consider changing your money market fund.... [3] Plan participants have experienced redemption fees before on other mutual funds. However, these fees have never been applied to money market funds. Since this is another way that participants could experience loss of principal, you will need to communicate that to them."  MORE >>