Do you love your 401(k)? Many partners and C-suite members roll their eyes at the mere mention of their 401(k). If you are frustrated or indifferent about this benefit, this article is for you.

Often when we visit practices, we find three common problems with 401(k) plans. One, the plan is top-heavy. Two, the plan is fully encapsulated by an insurance or payroll company. Three, the plan doesn’t have an independent advisor assigned to the account. These problems can be summed up simply as, “The plan can’t or isn’t being used, it’s expensive, and the people using the tool are under-served.”