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The best 401(k) plans don’t just happen — they’re created by smart advisors, sponsors, and providers. Here are some tips. (Photo: Shutterstock)

How can retirement plan sponsors and the advisors who work with them design plans that maximize participation, contributions and investment diversification?

Those are the key characteristics of a healthy 401(k) plan, according to Wells Fargo Institutional Retirement and Trust, which just released its 2018 Driving Plan Health report, based on analysis of more than 2,000 plans representing more than 4 million eligible employers.

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