When a registered rep begins to offer individual investment advice, they step over a big red line laid down by FINRA and the SEC. Before offering advice, s/he must provide each individual with considerable new account paperwork and disclosures, and document responses to key suitability questions.

If Sally Supervisor or Joe Assembly-Line Worker, have $20,000 401k account balances, and the advisor is earning a 25 basis point trail, s/he is taking on a lot of work and accountability for about $50 per year.

No wonder few participants get sufficient investment guidance?!