"[M]any retirement plan recordkeepers are offering and promoting online security guarantees or fraud reimbursement programs to address unauthorized or fraudulent transactions, promising to make participants whole and reimburse them for losses that are at no fault of the participant.... Far from being simple supplemental consumer benefits, the security guarantees or fraud reimbursement programs that are marketed as protecting participants must be evaluated through the lens of ERISA's fiduciary standards."  MORE >>