(Jacquelyn Martin | The Associated Press) In this Nov. 15, 2017, file photo, new $1 bills with the signatures of U.S. Treasurer Jovita Carranza and Treasury Secretary Steven Mnuchin are cut and stacked at the Bureau of Engraving and Printing in Washington. There’s a finite list of things you can change at work, and your employer’s less-than-stellar retirement plan probably isn’t among them. An individual retirement account can provide comparable tax benefits to a 401(k), but with a broader array of assets and generally lower associated fees.