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Does Your 401(K) Plan Need a Makeover?

Yahoo Finance

 Given how tough it can be for many people to save for retirement, it’s unfortunate that some companies make it even more difficult. But a large number of 401(k) plans do just that by imposing high costs and offering subpar investment choices.

The problem is more widespread than you may realize. Robert Hiltonsmith, a senior policy analyst at Demos, a public-policy group that has examined 401(k) plans, says that Americans pay $50 billion more than they should each year.