If only a few rank-and-file workers participate, the higher-paid workers contributions are limited as stated in the IRS rules. Twenty five percent of large companies have employees automatically enrolled in the 401(k). Simplify your investment: During the late 90s when the stock market was rising, providing workers with more investment choices was the rage. A few companies introduced new options and some offered ‘brokerage windows’ letting employees invest their 401(k) savings in an array of funds and stocks. You can also invest your savings in a balanced-fund option. Seek a low-cost alternative Anomalies on mutual funds and awareness of high, hidden fees are making a few employers explore other forms of savings beside mutual funds. A commingled fund is an option that is available wherein the service provider combines small employer contributions to reduce costs. When your plan is offering mutual fund alternatives, make sure to compare costing for long and short term plans. Read also: Retirement saving tips