It's an offer you can't refuse.

Employer-matched 401(k) plans really are the closest thing to a sure thing since Jenna Jameson retired. As the people over in HR are always saying, it's free money.

But the grumblings have begun in the back rooms about bringing these employer handouts to an end. Seems a cabal of pencilnecks over at some think tank have decided that money would be better spent on other things. They claim it would serve employees better if it were used to pay down 401(k) plan fees, lower health costs or on different benefits entirely.

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