Remember when you were a kid and you stayed awake because of a strange noise you heard? Your idle mind imagined the worst (a monster under the bed, or perhaps one in the closet). Such worry is normal. It's part of our survival instinct.
That said, you can easily understand why many 401(k) plan sponsors worry about the monsters hidden within the perceived darkness of their plan (see "The 5 Biggest Worries of 401k Plan Sponsors and What To Do About Them," FiduciaryNews.com, November 12, 2019).
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