confused business man Communicating information about retirement plans to employees is fraught with difficulty. Is it any wonder they’re confused? (Photo: Shutterstock)

Your 401(k) plan participants really believe some of the things outlined below.

Having worked as a 401k plan consultant for more than 30 years with some of the most prestigious companies in the world (e.g., Apple, AT&T, IBM, John Deere, Northern Trust, Northwestern Mutual), I am always surprised by the simple but significant 401(k) plan misperceptions many plan participants have.

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