As Bitcoin trades near US$110,000 and adoption widens, debate among U.S. retirement-plan administrators is intensifying over whether digital assets belong in 401(k) menus. Many providers remain cautious, citing price volatility and regulatory uncertainty, while younger investors show growing willingness to include crypto as part of a diversification strategy. The debate is especially relevant as institutional flows into bitcoin-related products continue to rise, raising questions about long-term portfolio impacts. :contentReference[oaicite:9]{index=9}