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Changing 401(k) Defaults on Cashing Out
Center for Retirement Research [CRR] at Boston College 
Oct. 7, 2004
Excerpt: Although the majority of workers lucky enough to have a pension will rely on a 401(k) plans, these plans are coming up short. The main reason is that 401(k) plans shift all the risks and decision-making from the employer to the individual, and individuals make mistakes all along the way.' For full text of the 4 page paper in PDF format, go to http://www.bc.edu/centers/crr/facts/jtf_12.pdf.
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