Excerpt: Financial powerhouses across the nation are jockeying for position to serve millions of workers who don't have the time - or don't want to make time - to manage their 401(k) retirement accounts wisely. This legion of 'reluctant' or 'disengaged' 401(k) savers comprise from one-third to one-half of the 48 million workers who have 401(k)s or similar retirement accounts. They've saved $3 trillion in their accounts, yet they show little or no interest in growing their holdings for profit.

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