In England, British breweries own many of the top beer pubs because watering holes are an effective means of beer distribution. If a business can control the method of distribution of their own products, they can expand the distribution while saving a couple of shekels by avoid having to pay a third party to distribute. The problem with producers controlling their own method of distribution is that it can lead to abuse. That is why in 1948, the Supreme Court of the United States in an anti-trust case forced the motion picture studios to divest their holdings in movie theaters because specific theater chains showed only the films produced by the studio that owned them. In the 401(k) retirement plan space, the top mutual fund companies and insurance companies offered bundled retirement plan services where they serve as the plan’s custodian, third party administrator, and top choice of plan investments. Bundled 401(k) services offered by a mutual fund company or insurance company can be a great fit for some plans, but not all, and there are some issues that retirement plan sponsors should consider when considering a bundled TPA.