Excerpt: Now, the government is looking for your ideas on the pluses and minuses of requiring the inclusion of annuities as an option in 401k plans .... [T]he Treasury and Labor Department 'also seek an explanation why most retirees, when faced with a choice of a lifetime income option or a lump-sum distribution, choose the lump-sum option.' FiduciaryNews asked several prominent independent investment advisers what they felt about this initiative. They revealed six major concerns every 401k fiduciary must consider regarding annuities.