You probably think of your 401(k) as your retirement account -- and you'd be right, to a degree. You decide how much you'd like to defer from each paycheck and these funds are always yours to use as you'd like.

But at the end of the day, a 401(k) is an employer-sponsored retirement plan, and your employer gets a lot of say in how the plan operates. Here are five surprising ways your company can control your 401(k), for better or worse.

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Source Fool.com