“According to a survey conducted by Charles Schwab (2017), however, 40% of individuals spent five hours or more planning their next vacation but only 16% spent as much time researching their 401(k) options. If we are to instill a greater sense of priority about retirement planning among future retirees, whether they have access to a DC plan or not, more must be done to communicate the relevance of this effort and explain how it can be achieved most efficiently”