In my case my accounts have a few zero's here at DAL and a lot of zeros other places. That will not float with me. I understand what they are trying to do, but it is not going to solve it. I liked the idea of SS monies being put in to a 401k in my name.
When it is in my name from the second it is deposited all things are right in my world. If this gets traction we may need to look at a D-ALPA or third party managed DB plan again...... (not that I am a fan)