According to research, 75 percent of wage and hour lawsuits initiated by the the U.S. Department of Labor against employers resulted in financial payouts to employees.

Other big insurers -- UnitedHealth Group Inc., Aetna Inc. and Humana Inc. -- have already scaled back, after posting massive ACA losses.

There can be any number of reasons why employees continue to repeat the same mistakes annually, but there is something advisers can do: help prevent uninformed decision-making.

Bernstein analysts opened multiple accounts at two prominent European-based robo-advisors. Here's what they concluded about this disruptive force in the retirement saving industry.