“Often we allow ourselves to get all worked up about things that, upon closer examination, aren’t that big a deal. We focus on little problems and blow them out of proportion. … Whether we had to wait in line, listen to unfair criticism, or do the lion’s share of the work, it pays enormous dividends if we learn not to worry about little things. So many people spend so much of their life energy “sweating the small stuff” that they completely lose touch with the magic and beauty of life.” That is a quote by Dr. Richard Carlson, the author of Don’t Sweat the Small Stuff…and it’s all Small Stuff (1997). Dr. Carlson probably was never a 401(k) plan sponsor because 401(k) plan sponsors have to sweat the small stuff. After all, they often ignore the small stuff. This article is all about identifying the small stuff that 401(k) plan sponsors like you need to identify and be concerned about.