It used to be about as popular as earthquake insurance in Napa County.

But as legal shake-ups rattle more plan sponsor windows, warranties and fiduciary insurance policies in the 401(k) arena are making a comeback despite the long memories of some prominent skeptics who recall how rotten such policies were the first time around..

Yes, insurance on 401(k) plans has long been seen as yet another layer of fees, obfuscation and dubious value in a defined- contribution-plan industry rich in murkiness and the opportunism it provokes.

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