America’s retirement savings system has been frozen in place for the past 20 years, leaving workers with limited options for growing their nest eggs even as innovation transformed the investing landscape. The reason? A cabal of trial lawyers and Washington bureaucrats who have weaponized the Employee Retirement Income Security Act of 1974 (ERISA) into a litigation minefield. Over the past decade, trial lawyers created a $1 billion-plus industry by filing more than 600 class-action lawsuits