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Return on investment in wellness, according to a growing consensus, just isn't as important as how these programs can help boost productivity, reduce absenteeism and help morale.

At the end of the third quarter, recordkeepers reported that 18.3 percent of participants had outstanding loans. Before the Great Recession began in 2008, the rate had been 15.3 percent.

Stocks fluctuated, after the Standard & Poors 500 Index rebounded from its worst drop since June, as a private report showing companies added fewer jobs than forecast offset acceleration in service industries.

Companies added fewer workers than projected in January as colder-than-normal weather limited progress in the U.S. job market.

The S&P 500 fell 2.3 percent to 1,741.78 at 3:02 p.m. in New York, poised for the lowest close since Oct. 23. The Dow Jones Industrial Average lost 311.13 points, or 2 percent, to 15,387.72.

In fall 2013, 86 percent of households disagreed that the government should take away the tax advantages associated with 401(k) plans and 83 percent were against reducing the amount individuals can contribute to these retirement vehicles.

A hidden value of defined contribution retirement plans might be that they get participants thinking about their long-term finances.

The accounts, which Obama announced in his State of the Union Address, will be available to workers who dont have access to a 401(k) plan,