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The only option she is given a choice on is how much to fund monthly. The employees otherwise have no other "choices" as to how it's invested. They receive a quarterly report on paper and that's it.

Now that said, I just looked at her paperwork and see it is a "Safe Harbor" profit sharing account. I would imagine this changes things but not sure how. The company has not paid any profit back to the employees in a couple years.
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