There are many ways that a retirement plan sponsor can improve their 401(k) plan, but there are so many reasons why they don’t. They complain they don’t have the time and they don’t have the money. As plan fiduciaries, you need to have the time to minimize your potential liability. As far as cost, there are many ways for you to improve your plan at very little or no cost. This article is about how you can fix your 401(k) plan on a limited budget.