Wilmington Trust Co. hopes to add some bells and whistles to its retirement plans - including a debit card, investment advice, and wider access to individually directed accounts.

The last of these would come first. The Delaware company, which manages about $12 billion for roughly 1,000 retirement plans, now offers individually directed accounts to fewer than a dozen of its plans, but is working with record keepers to provide the option to most customers, said Virginia Karablacas, manager of its employee benefits group.

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