I've registered here after finding some remarkably wise discussion of 401(k) plan administration in the site's archives. I am 58 years old and work in customer service for one of the largest 401 plan administrators. I will not be an advertiser for my firm - you can hold me to that promise. Hopefully I can add value to discussion. Thanks for the work people have done to create and maintain this site where the discussion is so wide open yet well informed.