Modern plan designs are giving employees a 401(k) option their grandfathers didnt have: A way to participate without participating.

A future form of ERISA can make it easier for companies to enroll in 401(k) plans sponsored by independent trustees.

Its unrealistic to expect the typical politician to avert their re-election eyes from this budgetary temptation. We must help them help themselves, or theyll bring us all down in a maelstrom of financial decay.