Buying a car can be one of the most harrowing experiences out there. Luckily, I haven’t had the pleasure since two cars were destroyed during Hurricane Sandy. One of the overwhelming features of car buying is the options buying. The features, the trim, the extras, and some things you don’t need such as etched glass can overwhelm most of us. The same can be said about options for setting up a new 401(k) plan. This article is all about the options you need and some options you probably don’t.