"ERISA requires a plan sponsor to acts as a prudent person would handle their own affairs. Ask yourself, does a prudent person invest $50,000 knowing ... that they are going to lose $72% of their investment in favor of the annuity company, to essentially subsidize the annuity issuer at the expense of one's intended heirs. [P]rudent plan sponsors will realize that such products are available outside the plan, without potentially exposing the plan to fiduciary liability."  MORE >>