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Our school has a Profit Sharing Plan in addition to a 403b. When the Profit Sharing Plan was developed 15 years ago, everyone's money was invested entirely in a bond fund. Some employees lobbied--peacefully, so far as I know (I wasn't there at the time)--to get a choice of investments, and the change was adopted by the Board.

When I got there, I wanted to see a "socially responsible" fund option added to the Profit Sharing Plan. I drafted a petition, several employees signed it, and I presented it to the Board along with some research about some good funds that they could consider. One was added with no trouble. It took no "hell raising".

It may be as simple as just bringing to someone's attention that a problem or deficiency exists, along with some potential solutions. It may not be something that gets looked at by the people in power otherwise--if they're anything like our school's administrators and Board members, they have other things on their mind. I would start by having her draft a letter stating the problems with the current options and showing why other options are better. If she can find some other employees that care (sometimes a problem, but you can usually at least find some that are indifferent, which works just as well), she could have them sign off on the letter also. Give it to whoever administers the plan and see what happens from there. I wouldn't start by "raising hell"--it might not be necessary.
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