It’s time that TPAs take back the liability for the work that they do. If we produce the 5500, we should be the one to sign it. With our ERISA 3(16) service, we will become the plan’s named administrator and take on the full fiduciary liability of the 401(k) with regards to administration. Those loans and distributions that HR personel are having to approve or deny for participants? Give it to us. Let your clients be experts on their business…we can focus on the 401(k).