Animal Farm by George Orwell was a clever allegory of the Bolshevik Revolution and the Soviet Union where the oppressed animals overthrew Farmer Mr. Jones, only to start oppress- ing each other. A similar situation is when I find retirement plan financial advisors who are so sensitive about the fees they charge because of their concern about low cost advisors start recommending low cost third party administrators (TPAs) that underperform for the plan sponsors and themselves. So this article is about why retirement plan financial advisors should avoid recommending a TPA just because they charge low fees.