This 401(k) Christmas Carol defines the perfect gift in a spirit even Charles Dickens would appreciate.

Perhaps, after its all said and done, the end of the Mayan Calendar the Year 2012 will not mark the end of civilization as we know it. Maybe it just will just mark the beginning of the end of overpriced 401*(k) service providers.

Heres why Santa plans to fill their stockings with coal.

Convenience comes at a price. Sometimes its quality. Sometimes its cost.

All-In should be all out as in thrown out. Its got a fatal flaw that may doom 401(k) investors.

Perhaps, as we pass the cranberry sauce, now is the proper time to consider all the good the 401(k) has brought to us. And do so with a wry smile.

When it comes to unbundled service providers, too many focus on fee savings. There's a more important reason to unbundle.

Overdiversification threatens the long-term returns of employee retirement accounts, but plan sponsors can help with better plan designs.