Many people invest for retirement through their company's 401(k) plan. But that doesn't mean they shouldn't have the same access, broad range of investment choices and educational information that our regular customers enjoy. That's why we offer branch, phone and Web access to 401(k) participants and provide them with investment choices that include more than 1,600 mutual funds as well as a self-directed account, our Schwab Personal Choice Retirement Account™, that allows employees to buy any stock, mutual fund or bond offered through Schwab. Our SchwabPlan education program helps participants determine how much to save and how to allocate their money among investments, and seasoned investment specialists do on-site employee seminars. We offer two forms of retirement plan services: SchwabPlan, a bundled offering of administration and investments, and an unbundled plan that allows the retirement plan to work with a third-party administrator for greater customization.