(February 16, 2016, 12:12 PM EST) -- NEW YORK — Citing the “overly complex, overly risky” nature of four participant-directed defined-contribution 401(k) retirement plans offered by Verizon Communications Inc., a participant in one of those plans on Feb. 11 filed a purported class action complaint against myriad defendants in the U.S. District Court for the Southern District of New York (Melina N. Jacobs v. Verizon Communications Inc., et al., No. 16-1082, S.D. N.Y.)....