8 pages. Excerpt: The steady increase in the percent of participants who have investment choices for both employee and employer funds, and the steady decrease in the percent who may choose employer stock as one of those options, reflect both changes in law and regulation, concerns based on high-profile plans, and an increase in investment education among employers and employees. Experimental tabulations further demonstrate that the upper bound of employer stock exposure has declined steadily in the past two decades as plans move toward putting all investment decisions in the hands of employees and providing education to help make those decisions.

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