In This Issue:

- Stuff That Prospective 401(k) Plan Providers Tell You That's True.

- An Employer's "Recipe" for having a Great Retirement Plan.

- Why An Employer Can And Should Set Up A Retirement Plan Committee.

- Good "Housekeeping" Tips To Minimize A Retirement Plan Sponsor's Liability.

- Mid-Term Elections and Being A Plan Sponsor.

- Plan participation is up, but the problems remain.

- Excerpt from Mid-Term Elections and Being A Plan Sponsor.

It's all about accountability.

Whether you vote right or left, the beauty of the mid-term elections was that it is ultimately about accountability. Accountability is the essence of democracy. Many of the Senators defeated in the mid-term elections were from the Class of 2008, the year of hope, change, and President Obama. They were rock stars. Now they are has beens. The beauty of politics is that you can be the rising star one-year and after being considered by a poor office holder by the electorate, you're toast...