1/3/2012

Retirement-industry experts say that legal and regulatory approaches to 401(k) plans will remain more or less unchanged through 2012, although new fee-disclosure rules and fiduciary definitions could still keep industry professionals on their toes. "No one really envisions major changes in 2012, given that it is an election year," says Stephen Utkus, a principal with the Vanguard Center for Retirement Research. The industry is expecting a reproposed fiduciary rule from the U.S. Department of Labor in 2012.

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