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How To Fix Your Lousy 401(k) Retirement Plan: Pool It, Like a Pension Fund
Forbes; subscription may be required 
Oct. 11, 2012
"[H]ere's a painful truth about the typical self-directed plan, with its elaborate menu of racy mutual funds and their sometimes outrageous fees: It is just about the clumsiest possible way for us to help our employees save for retirement. The fact is, those dowdy pension plans that most of us associate with public employees and old-timey union workers -- those are the steady performers. They consistently outrun the average 401(k) account."
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