The retirement plan business is heavily competitive and so much of that deals with marketing. As a retirement plan sponsor, you need to separate the fluff from the real stuff. You also need to understand what is a sales gimmick and what is something of substance. When it comes to the retirement plan business, I am the turd in the punch bowl because I have a problem of telling it like it is. I’m about to let you in on what is just marketing and sales gimmicks.