The retirement plan marketplace is experiencing an identity crisis of sorts. To help fix deficiencies in the 401(k) system, Congress passed the Pension Protection Act in 2006, which enacted sweeping legislative changes and set the stage for reform in the areas of participant advice, disclosure and enforcement. But while the Department of Labor (DOL) has enacted many of these reforms through rulemaking in the years since then, it has put off doing anything about the participant advice piece of
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