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Why can’t all small companies enjoy the benefits of the 401(k) MEP, a clear and present answer to their problems? Because the 401(k) MEP is not accessible to all small businesses. (Photo: Getty)

To paraphrase Sir Winston Churchill, “It has been said that the 401(k) plan is the worst form of retirement policy except all the others that have been tried.”

We’ve seen an unending volley of criticism targeting the 401(k) plan for some time now. It’s been blamed for everything from holding people back in terms of retirement to allowing people to benefit in excess.

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