I grew up in New York City and the City of today isn’t like it was when I grew up. They called it Fun City and not because it was fun unless you thought crime was fun. I remember going to take a Washington D.C. bus (because NYC Buses built by Grumman broke down) around Times Square and there was an adult movie theater every 100 feet or it looked that way. Like Gotham in the Batman comics, there is an ugly underbelly to New York City. Less so today, but it’s there. The same can be said of the retirement plan business, there is a dark side and this article will highlight some of the bad in the business to avoid if you are a plan sponsor.