With health insurance you could also just give individuals the tax breaks directly. It would really help fix the system and simplify the tax code. It makes no

With health insurance you could also just give individuals the tax breaks directly. It would really help fix the system and simplify the tax code. It makes no sense for 401k nor health to be managed by an employer. Almost all companies just outsource it to a useless 3rd party 401k provider that skims money off the top and selects 5 mediocre investment choices where they get the biggest kickback. We look down upon bribery in other countries as third world problems while enabling it at a much larger scale with foolish tax regulations like this. What if your 401k provider and company health insurance conglomerate instead each stopped you on the highway to work once a week and demanded their $10 cut?