Know your enemy.

Most plans suffer from high cost, poor participation, inadequate savings, missed match, over-investing in stable value and participants running when the market goes down. No one's definition of success includes these shortcomings.

For this revolution, there’s no need to raise an army or risk life and limb. But it is imperative to target three strategic objectives of your battle (or 401k) plan – Expenses, Investments and Employee Education. These elements are inextricably intertwined, as you shall see – and we need to attack all three for our plan (battle and 401k) to succeed. Some aggressive behavior may be required: Aggressive thinking, aggressive action and aggressively walking away from the ineffective industry leadership and resources that have gotten you to where you are today.