Excerpt: While many companies have terrific savings plans with abundant options and outstanding funds, some cheap out and give workers the 'benefit' of a plan without providing a program that the workers truly benefit from.... 'When your choices are bad, run the numbers. ... And if you can save the same amount and come away thinking that you're better off without that bad retirement plan, then stay out of the plan, and tell your employer why you are doing it. ... Maybe it will help convince them to get better funds.'  MORE >>