Here is a legitimate opportunity to do something about it. Owners can save a huge stash for themselves. By using customized plans, they may save far, far more. But even moonlighters can essentially double-dip. It's an employee perk.
Small businesses complain when bigger companies steal their employees.
Retirement plans are a big-league benefit that can entice workers to sign up. And vesting rules can create ''golden handcuffs'' to help you retain them. Competition is driving down costs. Brokerages, mutual fund families, banks and plan providers are cutting prices and fees as they jostle for market position in what could become an enormous market. It's still possible to get a break on last year's taxes.