BOSTON (TheStreet) -- Retirement planning is no easy task. Decisions about deferral rates, asset allocations, diversification and suitable funds can sometimes prove mind-boggling for unskilled investors.Although 401(k) participants commonly grouse that they need more help and advice, very few actually use the help offered them by their employer. Last week, Charles Schwab ( SCHW) released the findings of a research study on the behavior of 401(k) plan participants. It included an analysis of the 401(k) plans serviced by Schwab and a nationwide survey of more than 1,000 plan participants. It found that 70% of respondents said their 401(k) is their only or primary source of retirement savings, but less than half (47%) said they are "very confident" when it comes to making investment decisions. Roughly 53% said they find their retirement plans even more confusing than health care benefits. But while a majority (55%) said they would use free, personalized guidance if their employer made it available to them, an analysis of actual participant behavior in plans serviced by Schwab revealed something different: Less than 10% of people with access to advice actively use it.