Private employers mainly offer 401k plans so you can build your retirement. Some features include: Question 79 options: a) Matching--your employer offers to match your contributions up to a certain amount. b) Employers and employees can contribute pre-tax dollars. c) The money in a 401k belongs to the employee. d) Employee controls the investment within the fund making it the employees responsibility to develop a strategy. e) None of these. A 401k is controlled by the employer and has a defined benefit