important info 401 k plan dear enron employee retirement plan specialist raymond james associates rjf nyse understand trying times company hope heavily affected current distressed financial situation company employed company filed bankruptcy speak experience previously placed precarious position retirement plan specialist worked associates enron clients want share important information retirement plan benefits questions retirement plans queries welcome want make aware allowed rollover individual ira portion retirement benefit plan contributed service distribution provided met enron vesting requirement either 2 5 years participation would strongly recommend probably good idea think th exception enron stock factors consider however like possibilty forfeiting loan provisions enron pull among others keep mind however although current asset holdings protected erisa company file bankruptcy assets remaining company sponsored plan frozen unspecified amount time denying access funds ira rollover gives flexibility choices investments seperates assets company control questions need assistance rolling plan assets please call 1 800 523 3295 8 5 est email jsarlat 33 e rjf com personal corporate website found www raymondjames com johnsarlat require information personal companies qualifications please inform co workers rights options plan obviously time essence wish best luck hope challenging environment changes better included article bottom page sincerely john sarlat john c sarlat financial advisor investments raymond james spread risks diversifying holdings traditional defined benefit retirement plans subject 10 percent limit investments employer stock limit defined contribution plans like 401 k u senator barbara boxer tried years ago limit apply 401 k plans measure ran vigorous opposition employers wanted retain right make matching contributions stock rules stand companies allowed make matching contributions stock workers may also put money company stock diversification thwarted many cases regulations prevent employees selling company stock reach certain age 50 enron case james delaplane american benefits council employer group said 401 k system places great responsibility retirement savings individual workers people think greatest thing since sliced bread people think worst thing said delaplane said organization wants preserve employers right contribute company stock employee retirement plans also supports efforts educate workers make better informed investment decisions david certner pensions specialist american association retired persons aarp said plenty work done area many employees aware basic rules investing meaning diversification actually view employer stock less risky investment mutual fund said