"With the growth of online investment education resources -- and the explosion in the use of target-date funds -- the traditional service model is less effective and more expensive than the new alternatives. Savvy plan sponsors are choosing specialized advisory services to meet specific plan objectives as needed, saving money on underused services, and providing a better benefit to employees.... For most small business plans, the simplest solution is to hire an ERISA Section 3(38) professional financial adviser."  MORE >>