My primary concern is that there has been insufficient disclosure of the potential risks to investors and of the intended use of the proceeds.

CENTERFORSECURITYPOLICY: Center For Security Policy

These failures include outrageous costs which bear no resemblance to value provided, deeply embedded conflicts of interest, sustained underperformance of underlying investment vehicles, inadequate disclosure, inappropriate investment menus, defective plan design, insufficient participant education, and flawed default provisions.

FORBES: Get Ready For The Ugly Truth About Your 401(k)