As the job market gets tighter and tighter, you may find that prospective new hires as well as current employees are asking questions about their benefits—in particular their 401(k)s.

With one of the top employee worries these days being whether they'll be financially prepared to retire, they're liable to have a lot of questions about just how beneficial their retirement plans are—and there are plenty of websites offering suggestions on what they should be asking.

Everyone from plan provider companies to consumer sites is more than ready to enlighten workers on what they should know and what they should ask if they don't.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.