I will always say that most of the relationships I’ve had with people that ended badly were the result of a lack of communication. Sometimes, the lack of communication was my fault, sometimes it wasn’t. Regardless, it’s sad when a lack of communication could destroy a meaningful relationship. One of the most important relationships out there is the employer-employee relationship and I know how that could end badly because I was an employee once too. One of the problems with the employer- employee relationship is a lack of communication, so it isn’t surprising to me that most 401(k) plan sponsors never communicate with their employees about the 401(k) plan. It’s a problem because I think communication with participants can actually improve the plan, as well as helping the plan sponsor limit their liability as a plan fiduciary.