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Greetings, Elizabeth, and welcome. You asked:

<<I'm not saying there is something "fishy" going on. I simply want to track my investment portfolio and rate its performance. But if there is something fishy going on, how would I find out?>>

From what you wrote, I think it's more a case of lousy plan administration rather than something nefarious going on. Were I you, I would loudly and persistently demand an explanation from your HR/benefits administrator and plan custodian.

<<Doesn't the company have to give me a prospectus?>>

Yes, a clear description of all options and their risks is to be made available to all plan participants.

Now I hear my company plans to revamp the pension plan program again because we have an in-house insurance agent through whom it can receive commissions.

<<How much am I legally entitled to know about my company's pension plan and my status? If I can't get this information from my employer, where else can I get it? I am really at a loss here.>>

Keep complaining. Also, to get a full understanding of your rights and your plan's/employer's obligations to you, visit the Department of Labor Pension & Welfare Benefits Administration site at where you will find a whole host of publications outlining your rights.

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