anchor: Participants in 401(k) plans can be particularly harmed in situations where their accounts are heavily invested in employer stock, either because their employer matches their employee contributions in the form of such stock or because they themselves make significant investments in their employer's stock using their own voluntary contributions.
positive: Participants in 401(k) plans can be particularly harmed where they have their accounts mostly invested in employer stock
negative: Participants in 401(k) plans can't be particularly harmed where they have their accounts mostly invested in employer stock