I watch a podcast called Something to Wrestle with former WWE creative mind Bruce Prichard and he insists that there was no box of gimmicks for a wrestler to choose or be chosen their gimmick/persona.

With 401(k) plans, there is a box of gimmicks where providers are selling guarantees and warranties where they will claim they will protect plan sponsors from fiduciary liability, but in the end, they aren’t serving in a fiduciary capacity.

Real fiduciaries for your plan don’t have a box of gimmicks, they will claim to share that responsibility in their action and in their contract’s language. So avoid plan providers that use the F word (fiduciary), but won’t serve in that function.