With regard to distribution or marketing expense, the cost to sell and design the plan is the same regardless of the number of participants as long as you are dealing with one decision maker.

FORBES: Another Perspective on the Shifting 401(k) Landscape: David Witz of Fiduciary Risk Assessment LLC (March 20,2008)

The basis of competition will shift to other aspects of the business, such as customer relationships, claims processing, expense management and distribution.

FORBES: Will Auto Insurers Survive Their Collision with Driverless Cars? (Part 6)