Even though only 39% of investors (and 48% of investors) say they're optimistic about a 12-month financial outlook, advisors need to step in to create a sense of security and confidence in investors' long-term plans, says new report.

Retirement plan sponsors have enough on their plates dealing with the elements under their control, so they should pursue remedies, like fiduciary liability insurance, that relieves the exceptional burden of things they cannot control.

Expanded plan choice for employees is but one advantage of the ICHRA model.