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We don't map either for our in house plans. We require all employees to make new elections. If they don't make new elections, they go into the default fund selected by our investment committee. This all reminds me of an employee meeting last fall. I was just sitting in to answer some technical plan questions and the investment people were speaking. One of the participants said "what I want you to do is choose an investment for me and if it goes up, keep it. If it goes down, sell it before that happens."

Not so. If he had read the notice, there would be no assuming. He would have known what was happening with his fund and what options he had. But (and with apologies for being grumpy) if we must find some else to blame, why not his fellow partners for not holding his hand through the changes, or the USPS for allowing too much junk mail, or maybe society.

No, it isn't a stupid question, and yes, you would include it.