For decades, the 401(k) has been the backbone of retirement planning in America. Millions of workers contribute faithfully, expecting their savings to grow steadily over time. But behind the scenes, corporate loopholes and hidden practices can siphon away gains, leaving retirees with less than they anticipated. Seniors who depend on these funds for financial stability may be shocked to learn how much of their nest egg is quietly eroded by fees, conflicts of interest, and opaque investment structures.
