Someone who worked at T. Rowe Price administering Costco's 401(k) plans describes the chaos every time special dividends hit accounts. Phones would explode with 50+ employees calling in frantic about the cash landing in their retirement accounts. They wanted to cash it out, reinvest it, or figure out why it wasn't automatic. The kicker: thousands of Costco's hourly workers have over $1 million sitting in their 401(k)s. That's not CEO money. That's wage worker money, compounded over years at a company that actually contributes to their retirement instead of crushing it. This is what's possible when you're not a hedge fund stripping assets and automating jobs for sport.