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401(k) Consulting -- Advisors Find that Employees, and Even Employers, Are in the Dark
Financial Advisor 
Dec. 5, 2005
Excerpt: [T]he 'self-directed' retirement model has really provided today's workers with little direction at all when it comes to managing a 401(k) account. As a result, the average employee 401(k) is sitting unmanaged -- if the employee has even taken steps to enroll in a plan. 'Participants are dazed and confused,' .... This confusion, combined with a heightened concern among sponsors about their own fiduciary responsibilities regarding their employees' retirement accounts, ...
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