<P> There is much economic controversy with employee 401 (k) plans . Without a 401 (k), there is no need for an employer matching program . Many political consultants have different views on whether or not investing in a 401 (k) plan is beneficial . Some say that the money that is given through an employer matching program is most beneficial because of the uncertainty of any other contributions made by an employee into their 401 (k) plan . The only problem with an employer matching program is that it cannot exist without the 401 (k) plan . With many important cons in the 401 (k) plan there is a possibility that employers may not continue to have the option of offering a "match" agreement to an employee . </P> <Ul> <Li> The lack of diversity in investment choices offered by many 401 (k) providers </Li> <Li> lack of security of employee's contributions </Li> <Li> high expenses due to the expenses built into your 401 (k) plan </Li> </Ul> <Li> The lack of diversity in investment choices offered by many 401 (k) providers </Li> <Li> lack of security of employee's contributions </Li>

401(k) savings plan with a company match