The role of technology strategy is not to select products from a menu of vendor options.

FORBES: Why You Cannot Rely on Vendors for Your IT Strategy

Unfortunately under the applicable federal pension law (ERISA), participants generally have no express legal right to participate in the administrative and investment decisions related to the plan itself. (Of course, collective bargaining agreements may provide participants some role in such matters.) The structure of the plan, the investment menu offered, and any matching contributions are all pretty much left to the employer.

FORBES: IBM 401(k) Participants Need Their Own "Shadow" Fiduciary to Guard Retirement Benefits