Article Photos: IBM shifts 401(k) policy to once-a-year matches 2/2

FILE - In this Jan. 17, 2012 file photo, a car passes the IBM offices in San Jose, Calif. IBM will begin making lump-sum matching contributions to employees' 401(k) accounts on an annual basis, rather than contributing each time a worker gets a paycheck, the company announced Friday, Dec. 7, 2012. It's a move that will help the technology company cut retirement benefits costs. (AP Photo/Paul Sakuma, File)