business man and woman looking at papers To make meaningful change in the retirement industry, advisors and sponsors can work together to put the needs of the participant first and help them achieve retirement success. (Photo: Shutterstock)

“When a flower doesn’t bloom, you fix the environment in which it grows, not the flower. __ Alexander Den Heijer

Much like flowers need the proper environment to bloom, 401(k) plan participants need the right plan to thrive and achieve a successful retirement. Retirement plans need to be modernized to consistently provide the structure for success, and enhancing the tax deferred contribution benefits of the 401(k) is key. This is rooted in four areas:

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