If employees decide to switch money in the 401(k) plan from one investment to another, they can do so immediately.

This employee decides to enroll 2 years later during an open enrollment period.

At some point, an employee may decide that change is impossible.

"Indeed, when an employee decides to leave, his friends may follow," he said.

The employees must decide by March 15 whether to accept the offer.

Whether that is done from home or at the office is something the employees can decide for themselves.

So far, no one has been rejected, though some employees decided that overall, they'd rather be in the office.

What if an employee who goes on leave decides not to return?

His employees worry about their health and decide to strike, without any luck.

The employee often decides how his or her account is invested.