“How Do Employers’ 401(k) Mutual Fund Selections Affect Performance?” by Edwin J. Elton, Martin J. Gruber, and Christopher R. Blake (IB No. 13-1, January 2013, .pdf format, 7p.).
crr.bc.edu/briefs/how-do-employers%e2%80%99-401k-mutual-fund-selections-affect-performance/