I see two problems with 403(B)s: First, participant investments are too safe and too expensive. As noted in a recent Scott Burns column, over half of all 403(B) investment goes into fixed annuities. Second, participation is low due to the lack of employer involvement (generally no matching, little support, etc..). Congress is aware of these problems, and will likely act to address them. What ideas does anyone have that addresses these issues? Thanks for responding.