Employees Deserve Choice In Retirement PlanDesign Employer-sponsored retirement plans are designed tohelp employees replace a portion of their pre-retirement income andmaintain their standard of living. From a business perspective, theprogram needs to be affordable to the employer and serve as a meansof attracting and retaining employees.

Because there is no one retirement plan design that will appealequally to the variety of employees in todays workforce, perhapsthe time has come for employees to have a choice in plans.

Also, in light of the recent uncertainty and volatility in thestock market, some employees who direct their retirement planinvestments may no longer wish to have their benefits entirelydependent on their limited investment management skills.

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