I’m a fan of business history. There are so many successful businesses that eventually stumble and fail. I remember when Sears was such a huge factor in retail sales and it’s at death’s door. Other successful companies have been dead for a while, such as Montgomery Ward, Blockbuster Video, and Toys ‘R Us. There are many great plan providers that eventually go bad and are headed for a long-term goodbye. The problem is there are certain characteristics that you can see a mile away, but they can’t. These are some of the ways where a good plan provider stumbles and becomes a bad provider.