For years, far too many 401(k) plan sponsors took a merely casual approach when it came to fees. A few of them may have even believed they weren’t paying any fees. As of July 1, 2012, this laissez faire attitude became history, as 401(k) plan sponsors are now on the regulatory hook for knowing precisely all the fees they’re service providers are extracting from their 401(k) plans. 

But the issue of 401(k) fees contains more complexity than even the more astute 401(k) plan sponsors might have anticipated. Furthermore, those service providers fearing their “hidden” fees might startle their clients have an incentive to mire up the muddled complex with miss-directions and sleights of hand.

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