Excerpt: Many companies have pruned the number of investment options in their plans to keep workers from feeling overwhelmed by too much choice.... Meanwhile, other companies have loaded up their plans with a slew of target-date funds ... while shrinking the variety of other funds. But simple isn't always better. In paring choices, companies may be reducing workers' ability to diversify their assets, leaving them exposed to the downdrafts that sometimes roil stocks and bonds[.]  MORE >>