If an employee picking a retirement plan were a song, benefit planners know the words by heart. It goes like this: A person starts a new job, he or she attempts to read the packet of information or register for the 401(k) website and soon grows frustrated. Knowing they have to decide about the 401(k) plan, they set it and forget it.
Juli McNeely, president of McNeely Financial Services based in Spencer, Wis., says it happens all the time.
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