Compensation and Benefits

4 alternatives for when your 401(k) doesn't cut it

There's a finite list of things you can change at work — and your employer's less-than-stellar retirement plan probably isn't among them.

What makes for a lousy 401(k) is somewhat in the eye of the beholder, but characteristics may include limited offerings, high fees or no company match. The following four alternatives can ensure your employer's retirement plan (or lack thereof) doesn't derail your plans for retirement.


An individual retirement account, either of the Roth or traditional variety, can help solve for an employer-sponsored plan plagued by lackluster options and high fees. An IRA provides comparable tax benefits to a 401(k), but with a broader...