This is a great article, but it does not speak to the millions of unsophisticated investors who have their 401(k)'s in money market funds and are making nothing and paying high fees for the privilege. We all know that the banks that are using the little guy's money market funds are making far more than the little investor. Money markets are a horrible choice in a 401(k) plan and the SEC should allow risk averse participants to buy qualified CD's, rather than funding the bank's money making schemes for nothing in return.