Excerpt: Employers have long struggled to educate employees about how to actively manage their accounts for maximum gains. But research has shown that employees rarely do so, and have to be coaxed mightily into joining plans and choosing how to invest their money. Ironically, their reluctance to manage their accounts seems to have served them well in the recent crisis. Fidelity reports that among the 11 million 401(k) plan participants in the plans it administrates, only 6.1% made any kind of asset exchange in the hairy last quarter of 2008, up a mere percentage point from the previous quarter, and only 11.3% took any action in all of 2009.  MORE >>