When talking to platform providers using award winning communications in private, many will tell you that a significant portion of their materials are discarded or never used.  They also note that while participants want an easy solution, they do not want to learn.  Additionally, they are convinced that Target Date Funds could capture 70% of all participant directed DC type plan assets in the next five years.  Index and other low cost investment vehicles are also expected to gain in popularity for a variety of reasons, including risk mitigation. Given the expected growth in Target Date Funds, enticing participants into the plan and increasing contributions are the path to success. While managing risk through good governance will remain essential, advisors who craft plans to maximize participation and contributions will have the strongest value proposition.  Conversely, advisors focusing on participant education and asset allocation as cornerstones of their value proposition could lose market share.  This is exactly why outcomes based consulting is the primary theme of CFDD '12.