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When I present employee education sessions, employees often ask me what they should be doing in their 401(k) plan. I tell them:
Make sure you are contributing enough to receive the maximum match. You would be surprised how many employees don’t do this. I estimate that in most plans at least 1/3 of all employees do not contribute enough. Employees who do not receive the maximum match are leaving free money on the table. The return on those extra contributions? At least 100%!
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