DALBAR has given retirement plan providers' requirements for plan participants' passwords a thorough going-over, and has named the five top plan providers for their attention to detail.

According to DALBAR, those firms—and all the rest, for that matter—have to juggle requirements that protect clients and at the same time avoid making it too difficult for those clients to use the system.

Since passwords are "the first line of defense in cyber security," the protection factor has to be pretty stiff.

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