Sidebar: Leaving Assets In The Plan: The Up Side

While many plan sponsors do not advise employees to keep their assets in their defined contribution plans after retiring, a number of independent experts say they should. Since more assets yield more clout for their plans when negotiating fees with their service providers-including investment managers, advice providers, and recordkeepers-"you end up with a triple win," says EBRI's Dallas Salisbury. "Active participants have lower costs, the employer has lower costs, and the separated vested participant has lower costs."

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