According to a recent study by AON-Hewitt, a national 401 (k) administration firm studied the difference between participants who used “Help”—target-date funds, managed accounts, and online advice, and those who went on their own. “The annual performance gap between Help Participants’ and Non-Help Participants’ median returns was 3.32%, net of fees over the period 2006–2012. This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old Help Participant it could translate to 79% more wealth at age 65.”