--- title: The Fiduciary Focus Blog (3) description: Fiduciary Focus specializes in relevant topics for 401(k) & 403(b) Plan Sponsors with a specific focus on improving plan governance, reducing costs and improving investment plan menus. (3) --- [![](https://blog.guidancepointrs.com/hs-fs/hubfs/images/download.png?width=750&height=228&name=download.png "download.png")](http://www.guidancepointrs.com/) Search [Blog](https://blog.guidancepointrs.com) Request a call - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Resources](http://www.guidancepointrs.com/resources/) - [Pricing](http://www.guidancepointrs.com/pricing/) [(207) 358-3099](tel:+(207)%20358-3099) - [Home](https://www.guidancepointrs.com) - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Pricing](http://www.guidancepointrs.com/pricing/) Search [Fiduciary Focus A Blog for Retirement Plans](https://blog.guidancepointrs.com) Request a call # If you have any questions or comments for Guidance Point, please fill out the form below and a representative will respond to you within two business days. Guidance Point values your privacy. For more information, view our Privacy Policy. REQUIRED FIELDS ARE INDICATED BY AN ASTERISK (\*). # The Fiduciary Focus Blog [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/who%20pays%20the%20retirement%20plan%20fees.png)](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) ## [Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 19 May, 2017 Who pays the retirement plan fees? Should the plan sponsor pay? What about the participant? Maybe a mix of both? These questions are core to how our consultants help retirement plan committees ... [Read More](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [![](https://blog.guidancepointrs.com/hubfs/Capital_Markets_Review/CAPITAL%20MARKETS%20REVIEW%20%281%29.png)](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) ## [Capital Markets Review- First Quarter 2017](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 14 April, 2017 A Trump Bump and Growing International Economic Confidence: The first quarter of 2017 was dominated by political headlines and firming economic data globally. Risk assets continued to outperform ... [Read More](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/My%20Retirement%20Plan%20Funds%20are%20on%20the%20Watch%20List%20-%20Now%20What%3F.png)](https://blog.guidancepointrs.com/my-funds-are-on-the-retirement-plan-watch-list-now-what) ## [My Funds are on the Retirement Plan Watch List. Now What?](https://blog.guidancepointrs.com/my-funds-are-on-the-retirement-plan-watch-list-now-what) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 24 March, 2017 A main source of concern for plan sponsors we work with and talk to is the quality of their investments within their retirement plan. Retirement plan fiduciaries frequently express their lack of ... [Read More](https://blog.guidancepointrs.com/my-funds-are-on-the-retirement-plan-watch-list-now-what) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/Strengthen%20Your%20403b%20Fiduciary%20Governance.png)](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) ## [Strengthen Your Governance with a 403b Fiduciary Governance Checklist](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 22 February, 2017 Frequently when retirement plans are established, the ongoing governance of plan operation is not sufficiently spelled out. Failure to articulate the fiduciary governance and appropriate delegations ... [Read More](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/How%20Much%20Does%20a%20401k%20Plan%20Cost.png)](https://blog.guidancepointrs.com/how-much-does-a-401k-plan-cost) ## [How Much Does a 401k Plan Cost?](https://blog.guidancepointrs.com/how-much-does-a-401k-plan-cost) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 15 February, 2017 One of the first questions that companies want to know when they call one of our consultants is: "How Much Does a 401k Plan Cost?" This question poses two important realizations to senior managers of ... [Read More](https://blog.guidancepointrs.com/how-much-does-a-401k-plan-cost) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/omotenashi%20and%20the%20evolution%20of%20the%20retirement%20plan.png)](https://blog.guidancepointrs.com/omotenashi-the-evolution-of-the-retirement-plan) ## [Omotenashi & The Evolution of the Retirement Plan ](https://blog.guidancepointrs.com/omotenashi-the-evolution-of-the-retirement-plan) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 08 February, 2017 Omotenashi is the Japanese word for treating people the way you'd want to be treated, for a posture of customer service that builds long-term trust and loyalty. Seth Godin, in one of his recent blog ... [Read More](https://blog.guidancepointrs.com/omotenashi-the-evolution-of-the-retirement-plan) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/IRS%20403%28b%29%20Plan%20Audits.png)](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) ## [IRS 403(b) Plan Audits: Top Areas of Focus](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 02 February, 2017 Organizations that sponsor a 403(b) plan intend to manage the plan in a compliant manner, but due to the level of complexity of today's retirement plan it can be an overwhelming feat to do so. In ... [Read More](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/A%20dive%20into%20What%20it%20means%20to%20hire%20a%203%2838%29%20Investment%20Advisor.png)](https://blog.guidancepointrs.com/what-does-it-mean-to-hire-a-3-38-advisor-/-investment-fiduciary) ## [What does it mean to hire a 3 (38) Advisor /  Investment Fiduciary?](https://blog.guidancepointrs.com/what-does-it-mean-to-hire-a-3-38-advisor-/-investment-fiduciary) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 25 January, 2017 It seems that daily there is more litigation news that alleges employers violated their fiduciary duty to prudently select and monitor the investment options offered in their 401(k) or 403(b) plan. ... [Read More](https://blog.guidancepointrs.com/what-does-it-mean-to-hire-a-3-38-advisor-/-investment-fiduciary) [![](https://blog.guidancepointrs.com/hubfs/Capital_Markets_Review/GPRS%204Q%202016%20Capital%20Markets%20Review.png)](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) ## [Capital Markets Review - Fourth Quarter 2016](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/benjamin-smith-cfa) 10 January, 2017 A Tale of Two Halves 2016 can be described as a Tale of Two Halves. Many investors took a “risk-off” approach to the markets in the first half of the year due to a decline in oil prices and slow ... [Read More](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/pi_logo_official.png)](https://blog.guidancepointrs.com/guidance-point-retirement-services-named-to-pensions-investments-2016-top-pension-consultants-list) ## [Guidance Point Retirement Services named to Pensions & Investments 2016 Top Pension Consultants List](https://blog.guidancepointrs.com/guidance-point-retirement-services-named-to-pensions-investments-2016-top-pension-consultants-list) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/a-j-walker-aif) 04 January, 2017 [Read More](https://blog.guidancepointrs.com/guidance-point-retirement-services-named-to-pensions-investments-2016-top-pension-consultants-list) [Previous](https://blog.guidancepointrs.com/page/2) [All posts](https://blog.guidancepointrs.com/all) [Next](https://blog.guidancepointrs.com/page/4) ### Subscribe to Email Updates ### Posts by Topic - [Fiduciary Governance Process (15)](https://blog.guidancepointrs.com/topic/fiduciary-governance-process) - [Investments (15)](https://blog.guidancepointrs.com/topic/investments) - [Retirement Plan Menu Design (15)](https://blog.guidancepointrs.com/topic/retirement-plan-menu-design) - [Healthcare (10)](https://blog.guidancepointrs.com/topic/healthcare) - [Higher Education (9)](https://blog.guidancepointrs.com/topic/higher-education) - [Corporations (7)](https://blog.guidancepointrs.com/topic/corporations) - [ERISA Compliance (7)](https://blog.guidancepointrs.com/topic/erisa-compliance) - [Accolades (5)](https://blog.guidancepointrs.com/topic/accolades) - [Endowments & Foundations (5)](https://blog.guidancepointrs.com/topic/endowments-foundations) - [Awards (3)](https://blog.guidancepointrs.com/topic/awards) see all - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Pricing](http://www.guidancepointrs.com/pricing/) - [Blog](https://blog.guidancepointrs.com/) - [Resources](http://www.guidancepointrs.com/resources/) [The Fiduciary Focus Blog](https://blog.guidancepointrs.com) [![](https://blog.guidancepointrs.com/hs-fs/hubfs/images/download.png?width=750&height=228&name=download.png "download.png")](http://www.guidancepointrs.com/) [(207) 358-3099](tel:+(207)%20358-3099) Copyright © 2016 Guidance Point Retirement Services, LLC, all rights reserved. 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