The third reason is employers' lack of knowledge. Employers offer 401 (k)s to their workers because they believe that offering a retirement plan helps them attract and retain skilled employees. However, because employers have little incentive to ensure that they offer their workers the best possible retirement plan, they look to minimize the cost to themselves of offering those benefits, which they do in several ways. When shopping for a retirement plan, recordkeepers typically offer employers several versions of the same plan, versions that have identical investment options but higher or lower expense ratios for those options depending on how much or little employers want to pay, yearly, to the recordkeeper for the plan administration. Employers are increasingly choosing plans with little or no employer costs but higher expense ratios, passing on the costs to their employees ( Hiltonsmith 10). Could you refer to this and fill it out easily with another phrase