"The fiduciary responsibility that is mandated by [ERISA], spurred by the threat of class-action lawsuits, has motivated large plan sponsors like no mutual fund investors have ever been motivated before. They want their funds to cost less. They need their funds to cost less. They have the buying power to make that happen. And it is. Target-date expense ratios are plunging -- From 1.03% to 0.73%, in just six years!"  MORE >>