Any 401(k) plan sponsor in America – repeat any – can buy market returns dirt cheap. There are no economies of scale in the market for indexed investments.  No minimum purchase requirements. No high pressure sales pitches. Buy an index mutual fund or ETF and you've locked in market returns.  

This indexed approach is the new baseline for small business 401(k) plans.

Now take one step toward attempting to outperform the market and you enter a whole new world. Like stepping out of a zen garden directly onto Times Square.

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