There are roughly 78 million people enrolled in retirement plans, but they are making choices about those plans with very little advice--employers generally do not provide advice because they fear being held liable for hiring bad investors or giving bad investment advice. However, there are others willing to do so--plan providers and third-party companies. Plan providers must avoid conflict of interest if the plan has assets in their own interests, but the third-party companies like mPower, TeamBest, and Financial Engines have no such problems. They do, however, mean added costs for the sponsor.