Advice programs are on their way to becoming the standout among retirement savings plans. The rapid growth is due in large part to employees who have tired of trying to figure out which options are best for them and have started to demand a higher level of investment support. Advice programs are structured to offer participating employees investment advice relevant to their particular needs. Under the program, employees use the recommendations offered to help them choose from a selection of mutual fund options in their 401(k) plans. Employer demand for the plans has been so positive that plan providers have made arrangements to expand the program. R. Ted Benna, president of The 401(k) Association, believes that employers have embraced the plan because there is a real need for it among their employees. "Plan participants keep asking for help with choosing their options," notes Benna.