401K에 관한 기사입니다.
공짜는 없는것 같습니다. 특히 돈 관련해서.
소송을 ㅤㅌㅗㅎ해서 올해부터 Fee에 관한 정보를 그나마 공개해야 하는데, 그래도 부족하다는…

http://money.msn.com/how-to-invest/c_galleryregular.aspx?cp-documentid=250282674

New
Department of Labor regulations went into effect this year requiring
plan providers to disclose the amount in fees that both companies and
their employees pay for their 401k plans. The intention was to shed
light on notoriously murky 401k fees.

It’s one of the few
instances in which the consumers of the product — both employers and
employees alike — often have little idea what they’re paying for,
thanks to buried fees. For example, a fund’s “expense ratio” can
encompass everything from marketing fees paid to the investment firm to
commissions paid to the broker who recommends particular funds.

Disclosure
notices went out to employers in the spring and summer. Employees got
their first disclosures over the summer, and this month they will
receive their first quarterly statements under the new disclosure rules,
which will itemize fees deducted from their plan.

But critics have been disappointed with the first round.

Some
statements “disclosed” a wide range of fees, as in “your expenses range
from 0.25% to 2%,” leaving companies wondering where exactly their fees
stood. What’s more, the fees came without any guidance on industry
averages. So even if a company was told it paid, say, 1.25%, executives
would have no idea how those fees stacked up against other plans.

This
is no accident, critics charge. “They didn’t try to make it plain
English and fail,” Employee Fiduciary’s Carpenter says. “They complied
with the letter of the law and made it as gibberishy as possible.”

Take,
for example, a portfolio that says its fee is 1%, a percentage that
wouldn’t be uncommon. That may not sound like a whole lot. But when it’s
chipped from your retirement nest egg annually, the cumulative effect
can be significant. Over the course of a career, a worker who makes
$75,000 a year and saves 8% of that annually in a 401k would lose 2.8
years’ worth of savings in a target-date fund with a 0.2% fee, according
to an analysis by Towers Watson. That amount of lost savings jumps to
11.6 years’ worth in a fund with a 1% fee.

The
Department of Labor’s spotlight on fees has already pushed plan
providers to offer lower-cost options, such as exchange-traded funds, in
401k’s. Some, like Charles Schwab (SCHW), rolled out new offerings earlier this year, before the first disclosures came out.

“This is the true trickle-down,” says Mike Alfred, the CEO and co-founder of 401k consulting firm BrightScope.

So
while plan participants might not take to the streets after seeing how
much they’re paying for their 401k — disclosures are hardly going to
change the prevailing apathy — their employers are getting wise to the
expenses and starting to demand better options.

Indeed, companies’
awareness of 401k fees has increased sharply over the past five years,
insiders say, and the disclosures may spur further eye-opening.