I can personally attest that there is no excuse for not doing your homework. Thanks to my malfeasance in not getting the homework done for Sequential/Integrated Mathematics 4 in my freshman year of high school, in addition to others, we had to provide carbon copies (I’m timing myself to 1987) of our homework to Ms. Mulholland. As a 401(k) plan sponsor, anything you have missing for the purposes of running your plan will cost you more than a carbon copy. This article is all about missing items that you can’t afford to not have.