According to the latest statistics available (2015) only 12% of 401k plans had a trade. That continues to mean that the working public just sets a 401k plan and forgets about it. For a large part of the public that means having a target date fund and doing nothing. As amazing as it sounds for the vast majority of the public the give little or NO thought to a sizable part of their retirement savings. When will the american working public wake up and smell the coffee.