For this DISCUSSION, please ANSWER THE FOLLOWING QUESTION: A defined contribution plan participant can often direct all or part of the account investments. If the plan structure meets ERISA requirements, plan trustees are relieved of fiduciary responsibility for a participant's choice of investments. In plans like these, what responsibility, if any, should employers have for providing an employee with basic education in investing, including evaluating investment performance, understanding the consequences of investment choices, and estimating the total amount needed to fund the employee's retirement goals