"[T]he only participants who default to electronic disclosure of all participant statements are those who are wired-at-work and have received the required 2002 Safe Harbor Notice or those who have affirmatively elected ... to receive electronic statements.... [It] may be reasonable to just give paper statements to everyone (and, if you want, you can also provide duplicate electronic delivery to all). If you choose this option, however, remember to consider that one of the advantages to electronic delivery is the security it provides."  MORE >>