When I was younger, I didn’t speak up for myself. You realize later that if you want something, ask for it because they won’t read your mind and give you what you want or deserve. I remember when I got a promotion and expected a $20,000 raise and only got $5,000. I should have complained then and there, instead of stewing over it for the next 4 years. You also that when you get older, if you have complaints, speak up, rather than be passive-aggressive and blow up when the long trigger is finally lit. You learn that people will walk over you if you let them. As a 401(k) plan sponsor, you hire plan providers to work on your plan. You can’t let them walk over you and you can’t let them off the hook.