America's 401(k) plans have changed and evolved significantly since their beginnings in the early '80s. Those changes have primarily focused on fixing the two key components of the U.S.'s retirement problem: 1) lack of savings, and 2) high fees that eat away at returns. 

Today's trends continue to focus on these problems and will likely shape the future of the 401(k) and American retirement savings. So what does the future 401(k) look like? While nobody knows exactly, here are some thoughts on what has changed and where we see things going.

401(k) trends (Image: Matt Bradley, BenefitGuard)

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