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Fidelity, Empower and T. Rowe take three different approaches to the DOL fiduciary rule

Some retirement plan advisers see providers' compliance moves as potential competition.

The Department of Labor's fiduciary rule is leading record keepers of 401(k) plans to adopt wildly divergent compliance strategies.

Take Fidelity Investments, Empower Retirement and T. Rowe Price, three of the largest defined-contribution-plan providers, for example.

At one extreme, there's Fideli

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