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A retirement confidence survey shows only 17 percent of workers would boost contributions based on income projection.

Though employers are still awaiting more proof that private exchanges will offer a long term and stable option for employer sponsored coverage for workers, they are becoming more interested in them.

Plan sponsors are turning to the RFP process when hiring retirement plan advisors or benchmarking an existing advisors services and fees.

The three finalists are Alliance Benefit Group Financial Services, Corp. represented by Bradley Arends; Compass Financial Partners, represented by Kathleen Kelly; and Maresh Yoshida 401(k) Group, represented by T. Henry Yoshida.

The tool was developed to give fiduciaries a simple and cost-effective way to make sure that their 401(k) plans are being carried out in accordance with government regulations and guidelines.

Will small and mid-sized businesses with limited internal resources find the prospect of compliance so onerous that they stray from plan sponsorship?

It also is important to remember that at least one named person on the committee and in plan documents must serve a fiduciary function.

Many fixes have been proposed to solve the retirement crisis in America but none have been the cure-all parties could wish for.