Two-thirds of 401(k) plan participants visit their plan’s website at least once per month, according to Spectrem’s new Retirement Market Insights report.

Those with larger balances, $50,000 and above, are the most frequent visitors. No surprise, says the report, pointing out that not only are 401(k) participants self-funding their retirements, but they’re also panicked by media reports predicting Social Security’s demise.

The overarching message for investment services providers, though, is that the majority of people want to be able to look at their investments, either to check their balances (87%) or monitor performance of certain funds they hold (61%).

Interestingly, educational materials hardly register at all. Only 12% of 401(k) participants say they regularly look at the educational materials their plan sponsor provides; 22% of participants never use those materials.

Good news for advisors, though, is that it seems people simply prefer advice from a person over web-based materials when making investment decisions. Some 70% of plan participants had sought the advice of a person. When that person was a financial advisor, the plan participant acted on the advice 87% of the time.