How often do you shop your health insurance? Do you wait 5 or 10 years to renegotiate your premiums? When you do review your premiums and coverage, do you merely ask your current provider to confirm your current structure is reasonable, or do you ask a broker to shop the market? The answers to these questions are obvious. Less obvious is understanding why plan sponsors fail to benchmark their 401(k) plans. We will explore why and how to do it.