As an attorney, I hate dressing up. If I could wear a Mitchell and Ness sports jersey to meetings and synagogue services, I would. One thing I hate is buttoning up the dress shirt. There always seems to be one button unbuttoned or one done incorrectly, that it looks like a mess.

As a 401(k) plan sponsor, you need to make sure you button everything in your plan and the problem is that most forget that last button, That last button is making sure that your participants get the investment education they need to make informed, investment decisions on their own.

You have to make sure your financial advisor gives participants the tools they need to make smart investment decisions. Otherwise, your plan might be unbuttoned.