401(k) Fees - ForUsAll 401k Blog

401(k) Expense Ratios: What Are Average 401(k) Fund Fees?

Okay, let’s say this plainly: when it comes to 401(k) fees, a lot of participants are paying way too much. And one of the biggest reasons for this is because, for many plans the 401(k) expense ratios are way too high. But if you’re reading this

401(k) Fees

Want Insanely Low 401(k) Fees? Follow These 6 Steps

Okay, if you're reading this post, you already know: 401(k) fees are expensive. Taken as a percentage of the assets, over time, they can add up to a HUGE chunk of change that can take years off of your or your employees' retirements. A 2% fee doesn’t sound

401(k) Fees

Are Your 401(k) Fees Too High?

Let’s get real about 401(k) fees. 401(k) fees can be confusing and opaque, and there’s a good chance that you don’t know what you’re actually getting charged. To make matters worse, plans of similar size can be charged dramatically different fees - even when

401(k) Fees

12b-1 Fees: What They Are and Why You Should Avoid Them

How Much Am I Getting Charged for My 401(k)? It’s a simple question, right? But, like many things when it comes to the 401(k), the answer is anything but. There are quite a few types of 401(k) fees - management fees, custodian fees, expense ratios, all-in

401(k) Fees

401(k) Hidden Fees: Expose Your Providers’ Sneaky Tricks With These Simple Tips

Even if you were great at finding Waldo as a kid, you may have a tough time finding your 401(k) hidden fees today – even with some serious help from the Department of Labor (DoL). The DoL’s regulation 408 (b)(2) requires providers to give plan fiduciaries enough information

401(k) Fees

What Are 401(k) Management Fees?

While 401(k)s are a fantastic employer benefit, the unfortunate reality is that they are often riddled with fees that are difficult to understand. As an employer, it’s important to know what you and your employees are paying, and to benchmark your plan to know if you’re

401(k) Fees

401(k) Revenue Sharing: Should You Be Concerned?

Commissions? Kickbacks? Revenue-sharing? 12b-1 fees? Whatever you name them, 401(k) revenue sharing has come into focus for small and medium-sized retirement plans. If you’re an administrator or have any level of fiduciary oversight on your plan, then this blog post is for you. What is 401(k) revenue

401(k) Fees

401(k) Fee Disclosures: Even Disclosed Fees Can Be Confusing

408(b)(2) and **404(a)(5) disclosure documents were designed to shed light on fees, but fee details often remain in the shadows. Since 2012, ERISA rules have required 401(k) providers to disclose fees that are charged to plan sponsors. The rules also require plan sponsors to disclose

401(k) Fees

Excessive 401(k) Fees Spur Mismanagement Lawsuits

How bad are 401(k) fees? Eat up your tax benefit bad! A study by The Yale Law Journal estimated “that fees are so high in 16% of analyzed plans that they consume the tax benefits of investing in a 401(k) for a young employee.” More on that study