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The HR (Human Resource) professionals who run benefit plans for their employers don't always know all there is to know about those plans. In fact, experts note, some officials at smaller firms aren't even aware that they are fiduciaries-the legal term for the people who control benefit plans. The truth is that fiduciaries need education, too, not only to help employees get their money's worth but also to avoid mismanaging plans and being held personally liable for doing so. Fiduciaries are held to strict standards of performance under the same federal law that protects employees from abuse, fraud and negligence in the operation of their retirement and health plans.
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