"Tod Ruble is trying to sell retirement plan insurance that employers say they do not want and their employees may not need.... Since late 2010, he has started up a company, Custodia Financial, and spent more than $1 million pushing for legislation that would allow companies to automatically enroll employees who borrow from their 401(k) plans in insurance that could cost hundreds of dollars a year.... Employers and 401(k) providers say the bill is simply a solution in search of a problem and would just be an added expense for employees."

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