What benefit does a 401 (k) plan provide over an IRA?

A. a higher rate of return

B. fewer investment options

C. less investment risk

D. on-hand financial advisors

E. employer's contribution

A 401 (k) plan provide C) less investment risk and E) employer’s contribution over an IRA. Both of the 401 (k) and the Individual Retirement Account (IRA) are the retirement program that individuals could choose for investing their money. A 401 (k) must be taken by employers thus, its safety is guaranteed by the employer. The employer could give contribution additional to individuals contribution for the program.