There is a proverb that success has many fathers, but failure is an orphan. It means that many people will seek credit for success, but very few will accept responsibility for failure. Plan sponsors and plan providers love to talk up 401(k) plans when stock markets are good, but not many want to talk when the stock markets are doing terribly. As a 401(k) plan sponsor, you need to do your job when the market is good or bad. Actually, times like these are when you need to be more vigilant. This article is all about what you need to do.