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Why 401(k) Plans Are Failing and the Cure to Save Them (PDF)
Capital Directions, LLC 
[Opinion] Oct. 24, 2008
15 pages. Excerpt: It is an unfortunate irony ..., that the majority of this country's retirement-plan assets have now been placed - squarely and intentionally - in the hands of those same individual investors who the Dalbar study shows dramatically under-perform the market. This 'tyranny of choice' is a burden the average 401(k) participant never wanted in the first place. And as benefits consultant Brooks Hamilton noted in a May 2006 PBS documentary, 'They're running their money into the ground.'
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