"Plans offered by small employers may be larded with extra administrative fees or high-cost funds, and their lineups may skimp on core asset classes such as international equity or fixed income. Participants can also run into unforced errors -- for example, not paying enough attention to asset allocation when making their investment selection, or cashing out their money when they change jobs.... In short, 401(k) plans invite the potential for plenty of goofs. Here are 20 common ones, as well as tips on avoiding those mistakes."  MORE >>