Retirement advisors work hard to make a sale and get that wonderful employer as a client. "And then you find the dead bodies," said Colin Clark, Retirement Plan Specialist at Washington Financial Group. Enter the ERISA attorney. "I'll make you look good," said Jewell Lim Esposito, Esq. The two presented a session on compliance at the 2018 NAPA 401(k) Summit. Esposito is Clark's ERISA attorney. When things go wrong, when those skeletons come out of the employer's closet, your 401(k) and 403(b) clients will blame anyone they can find for compliance problems -- including the advisor. Even if it wasn't your fault. And even though there are fewer and fewer IRS and DOL auditors these days, Esposito said, "If your client is targeted, they want blood." Related: 5 areas of employment law to watch Two decades ago, advisors could make a sale and be done with it. Now advisors are consultants who are expected to have answers – or be able to help find others who have answers. The blame game? That could still happen. Here are five thorny issues advisors might be blamed for.