It may not have made its way to your desk calendar like Grandparents' Day or Administrative Professionals' Day but … today is indeed National 401(k) Day.

But rather than a Times Square tickertape parade or a Ryan Seacrest-hosted live TV extravaganza, the celebrations for this industry inspired and by all accounts low-key ceremonial day are the kinds of things retirement advisors and plan sponsors should be doing every working day of the year. The Plan Sponsor Council of America even has its own website and domain for the day, www.401kday.org.

2012 has certainly been one of the most high-profile years in history for the humble 401(k), with news of the new fee disclosures even making it to the mainstream media, but today and every day should be an opporunity to reinforce those messages and help participants understand the value of actively taking part in their own retirement.

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