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The vast majority of small businesses cannot afford the cost and human resource time involved in having a 401(k) plan. What’s more, it represents a lost opportunity for RIAs and their advisers. But technology has begun to assert itself in the 401(k) space, and that is broadening the playing field for RIAs and employers. In the same way that investing, banking and HR platforms have leveraged technology to streamline, automate and reduce costs, 401(k) providers like 401GO that are doing the same.