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CitiStreet, the high-profile retirement services joint venture between State Street Global Advisors and Citibank which launched in April, is planning to join the growing ranks of retirement plan providers with a Web-based 401 (k) product. Major retirement providers Fidelity Investments and Principal Financial Group were among the first to create Webbased products for retirement plan participants, particularly focused on the small-plan end of the market. The small plan market has been considered by many fund firms to be an unprofitable one when conducted in an offline environment. In fact, many firms which do not have an online product have simply dropped small plan businesses over the past few years. A number of technology startups were also launched this year, such as Goldk and ez401k, offering only electronic 401 (k) plan products.