Back around 45 years ago, beer in this country was considered a mass-produced, mass-marketed business offering very low-quality, light lagers. Beer was less of an alcoholic beverage and more of a slogan that was less filling or tasted great (while making Rodney Dangerfield a household name). Schlitz, which was at one point one of the most popular beers in the country lost its popularity because to meet growing demand, affirmatively decided to cut corners and change their brewing and fermentation process by using cheaper ingredients. Beer lovers who wanted better-quality beer than what the American mass producers were making were left to drink foreign beers. That all changed in 1984 when Jim Koch co-founded the Boston Beer Company, which produces Samuel Adams beer. Samuel Adams Boston Lager was proof that there was a demand in this country for top-notch beers with high-quality ingredients. Boston Beer Company led the explosion of new microbreweries and a craft beer movement. Brewing no longer became just a simple business, it became an art form. When it comes to retirement plans, the cookie-cutter approach of plan design doesn’t work. You need better “ingredients” that will help plan sponsors save more money and that is embracing the idea that plan design is important.