"[A] list of things ... that those in our industry generate, promote and often share as fact without any application of common sense, and no apparent appreciation for the damage done by their complicity in sharing such nonsense.... [1] Reporting on average -- well, anything ... [2] Surveys that show an average or median account balance -- with no delineation for age or tenure.... [3] A single provider survey that shows an average or median account balance.... [4] Surveys that claim participants want things they can't possibly understand.... [5] Data 'analysis' that takes real stuff, combines it with fake stuff, makes up a new scary-sounding name for it, and then claiming that vast majorities of all the retirement plans in existence are in 'violation.' "  MORE >>