Professional Investment Management Cost and Availability: If Casey is not proficient in investment management or he does not have the time properly manage his plan investments, he may need to engage the services of a professional investment advisor to make sure his asset allocation model is consistent with his retirement goals and objectives.

FORBES: Which Retirement Plan Is Best?

Not having the time or expertise to properly manage the plan.

FORBES: Why 401(k) Plans Are Doomed From The Start