Here are four actions you can take if you don't like the options offered by your workplace 401(k) plan.

4 actions if your 401(k) is flawed
1. Learn about your options
2. Get support from co-workers
3. Offer to help the plan administrator
4. If all else fails, invest elsewhere

Learn about your options
First, educate yourself about your company plan. Know what it offers, and how the benefits compare to other 401(k) plans at other companies.

If you don't have a lot of experience with investing, it can be difficult to make choices about your own 401(k) -- let alone figuring out if the entire company plan needs an overhaul. But it can be done.

Read a few articles and books about investments. Then, start talking to other people -- inside and outside of your company -- who have 401(k) plans. Find out what they like and dislike about their benefits.

Your company isn't required to offer every investment feature that's out there, but there are some options that are more attractive than others.