’m a fan of Broadway musicals and my favorite of all time is Les Miserables. It may not be a Rodgers and Hammerstein classic, but it’s always been my favorite since I saw it more than 20 years ago. I’ve seen it a few times on Broadway and on film. I actually had tickets for it on the night of Tuesday, September 11th. Yes, the show was cancelled that night and I haven’t been back to see it since. Les Miserables is about love, family, and revolution. One of my favorite songs (out of many) is “Do You Hear the People Sing.” I love the lyric “ Do you hear the people sing? / Singing the song of angry men?” In the 401(k) world, we’ve had a revolution over the past 10 years and many people have been “singing the songs of angry men.” So this article is about the “revolution” in the 401(k) world that has impacted retirement plan sponsors in how they run their 401(k) plan.