so although the older practice of employers providing defined benefit plans that did n't offer the option for employees to participate in the account selection process , employees did n't need to participate ( and often were n't educated enough in matters of financial literacy specific to investment decisions to best do so ) since the employer paid often for the best experts to help them to get the math right so that faithful employees who gave their best work for several decades of loyal service would n't feel ripped off after such dedicated service to their employers .