"While even simple analysis and guidance can be helpful to a worker-participant, many retirement-readiness calculators may be inherently flawed or misleading as to the score received and the results implied.... [1] Default assumptions may be over-optimistic. [2] Participants may have one or several other retirement-based accounts outside the plan that are not included ... [3] The survey questions may not address or require input on other significant aspects of the participant's financial life"  MORE >>