Boston College's Center for Retirement Research Center has a study out this month about the cost of 401(k) plans, and they have found another flaw in the nation's defacto retirement savings system: It is overpriced. So not only do 401(k) plans not meet the needs of the average American, they aren't cost effective either. I wrote about the problem with 401(k) plans in a cover story for TIME last year.
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