What does that actually mean, though, real world for employers?

Yeah, yeah.

Fiduciary responsibility.

And it sounds like an awfully big word, but it's really not.

And it sounds very scary, but it's really more intimidating on a surface level than it really needs to be when you dig into it.

But fiduciary responsibility simply means acting in the best interest of someone other than yourself.

As it relates to sponsoring a 401k plan, if you're a business owner, it simply means putting your plan participants first ahead of your own interests as an employer.

So Aaron, if an employer is listening today and wants to kind of evaluate their current retirement plan, where should they begin? How should they start?