How to Fix a Lousy 401(k)

It's a tough world out there for people hoping to retire. An employer-sponsored plan such as a 401(k) is a huge help, but bad plans can make it harder for people to retire than it should be. Some of the bells and whistles, such as a match from the employer, are extremely nice to have. Free money from a generous employer is great. But that may not be enough to make up for a plan with lousy investment options.