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Arguably the most important step in setting up a 401(k) is choosing your investment strategy. As a consumer, there can be information overload as there are endless strategies and options to consider.
Without a doubt (barring personalized planning) choosing an age based fund is one of the easiest ways to ensure you're making a smart decision with your retirement... Making it a go-to for an investor with limited experience, who needs a lot of handholding but doesn't want to pay extra.
Rather than show a ton of complicated options up front, this UI focuses on simplifying the decision point (do I know about investing or not) and allows that to influence the user to make a smarter choice.