“Small” company retirement plans – defined as those with less than $2,500,000 in assets – are notorious for having relatively poor investment choices, little or no cost transparency, and high fees and expenses.  Over your working career, paying 1% or more per year in higher than average fees can have a major impact on your account’s value at retirement.  An article on NerdWallet from September 24, 2013 explains this very clearly, and suggests some possible remedies, like  encouraging your employer to explore lower cost alternatives.  You can read the entire article here.