It’s one of those things that sounds good and you can’t really argue much against except in the details which we of course, don’t see. Like 401k’s that allowed big companies to get out of pensions, shifted risk to their employees, and have been associated with excess fees by financial institutions and ”wealth management“ operators, there is plenty of room for abuse. “Management” costs must be controlled such that this is truly a benefit for small businesses, their owners and employees and not a gift to the financial industry.