Employers have tried all sorts of ways to get workers to diversify their 401(k) accounts without widespread success.

Now, perhaps coming to a 401(k) near you: Re-enrollment.

Basically, this is a do-over. If you are woefully under-diversified, your employer could re-enroll you in the 401(k), pulling money out of your existing investments and re-investing it in a broader portfolio. You would have the right to opt out of the re-enrollment.

The Vanguard Group says the 2006 Pension Protection Act allows employers to do this. That act encourages employers to automatically enroll workers in a 401(k), provided workers' money is invested properly. So far this year, Vanguard says, a tiny number of the 1,800 plans it manages has adopted re-enrollment.

 You might have already experienced a version of this if your employer replaced some mutual funds in the 401(k). You employer takes your money out of a fund being dropped and reinvests it in a new fund that’s most similar to the old one.

Employers need to consider all the ramifications if they re-enroll workers. For instance, dumping a large chunk of company stock that was sitting in 401(k) accounts could negatively affect the stock price.

Has your employer re-enrolled you this year? If so, what did you think? And if not, how would you feel if your employer stepped in to diversify your account for you?