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Pew found that 31 percent of private-sector employees it surveyed were not at all familiar with their retirement plan's fees. (Photo: Shutterstock)

American workers on the whole tend to be overwhelmed with the whole notion of retirement responsibility, in that they don’t know how much they should save, don’t necessarily understand (or want to understand) investing and the choices involved, and have more immediate needs to see to than a retirement that seems forever away.

But another thing they don’t really seem to grasp is the effect—or, for that matter, the amount—of fees on investments that their plans charge.

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