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<<If we not just scream, but hold them accountable for their jobs, the performance gets better. And if we do it with a modicum of sugar, as you so often point out, it generally gets better sooner and more permanently. I just don't agree with the changelessness of it all.>>

I agree we must constantly hold the employer's feet to the fire to get the changes needed in plans. After all, the squaky wheel, etc. Problem is not enough employees do that, and one complainer is rarely enough to move the behemoth off its duff. Get four or five others voicing the same complaint, though, and then things begin to happen. Regrettably, most folks just flat out don't pay enough attention to their retirement plans to join in the fray. Leastwise, that's my observation over the past 15 years or so.

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