NEW YORK ( TheStreet) -- It's 2003, and the 47 million investors in 401(k) plans are largely a nation of Rip Van Winkles: They've been asleep for 20 years, as the retirement landscape has been completely reshaped. Wake up, investors! It's time to demand your rights.We're going to help you do just that, with our 401(k) Bill of Rights, below. Print it out, pass it around, hand it to your employer. Let employers know what they need to do to provide good 401(k) plans. In too many instances, individuals don't realize that their employers aren't meeting their fiduciary responsibility as plan sponsors. Meanwhile, many consultants and investment managers who provide 401(k) plan services charge excessively high fees and are monuments to conflicts of interest. As the culmination of our series of the crisis in the 401(k) industry, TheStreet offers the 401(k) Bill of Rights, a list of 10 common-sense demands for 401(k) plans. We encourage you to print this document and hand it over to the folks in the Treasury or human resources department and insist that your demands be met. No longer will individuals tolerate a 401(k) plan that has no clearly defined and monitored investment policy! No longer will individuals tolerate a 401(k) plan littered with inadequate, overpriced and underperforming investment options! No longer will individuals tolerate clandestine relationships among the consultants, mutual funds and brokers who are charged with looking out for the best interests of the individual! Pardon the proletarian rhetoric. We believe it is warranted: Millions of retirements hang in the balance. Most companies have a genuine desire to provide the best 401(k) plan they are capable of providing. For them, this 401(k) Bill of Rights should serve as a template. For the plan sponsors that have too long taken a cavalier and irresponsible approach to their employees' retirement plans, let this Bill of Rights serve as their guide.