Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why are typical 401(k) plan fund choices so awful?
I would point this out to the committee or other entity in charge of handling this at work. They do have a fiduciary responsibility for the participant's money and should take anything reasonable seriously. The flip side to this is 95% of participants -- especially participants under 35 or so -- really pay next to no attention to this stuff. We consider it a victory to get people to pony up the matching contributions. Active participation in investment would blow our minds.