When I was in law school, I was very jaded about things because I didn’t think the law school was very honest about some of the problems that I afflicted. So as the top editor of the law students’ magazine, I would mention problems affecting the school and offering concrete solutions for them. A lot of times, I would use the Robert DeNiro line from a very forgettable 1996 movie called The Fan, where he asks: “Now Do You care? Maybe just a little bit?” My comments and criticism didn’t go over well with many students and faculty members because of my role as the “turd in the punch bowl” by exposing problems that were an issue for people who only wanted to think nice and happy thoughts. I’m still the same way as an ERISA attorney, which gets some heat from plan providers who also only want to think nice and happy thoughts. As a 401(k) plan sponsor, you need to care and you need to care always.