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The latest Wells Fargo/Gallup Investor and Retirement Optimism Index study apparently drove home some unpleasant truths about how participants view their 401(k) plans and those who provide or administer them. 

In a blog post, the firm said that 81 percent of respondents said they did not want more retirement planning advice from their employers. Nor did they turn for advice to the financial firms that run their plans (only 22 percent said they did this) or even to their HR departments (just 11 percent think this is the way to go). 

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