The 10 states paying the highest fees a median rate of 0.61 percent posted annualized five-year returns of 1.34 percent.

The National Institute of Retirement Security finds that four out of five working families have saved less than 1 percent of their income for retirement.

The average working household has virtually no retirement savings, according to a report by the National Institute on Retirement Security.

Unable to overcome a stalemate on the state's $97 billion pension crisis, Illinois Gov. Pat Quinn and legislative leaders have agreed to form a bipartisan committee to hammer out a compromise and to reconvene the Legislature for another session in July.