via Wall Street Journal

It’s tough to tell whether your 401(k) plan is delivering all it should for retirement. It’s even harder to persuade your employer to make changes if you find room for improvement.

Common flaws in the popular savings plans include high fees and the absence of low-cost index funds, which can make investing cheaper and easier. Conflicts of interest, fraud or theft, though far less common, also can cost 401(k) participants dearly.

Yet pushing for change can put workers in the uncomfortable position of confronting their employer. Few people want to question the judgment of people who sign their paycheck and control promotions and raises.

That means employees who see ways to bolster their 401(k) need to determine whether the requests are reasonable, and then make the case tactfully..

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