I participate in my companies 401-K plan administrated through American United Life. The only index fund available is a fund called SSgA S&P 500 Flagship Fund. This fund is proprietary to the insurance industry and is not listed like a normal mutual fund with a symbol followed by an "X".I did some checking via the Web, and found the website for State Street Global Advisors. They give a link to the "info sheet" for the fund, www.ssgafunds.com/fundsfac/pdf/svspx_sp500.pdf -- which mentions the symbol for the fund, SVSPX, and the expense ratio, 0.18%.But American United Life states the expense ratio of the fund available to you as 0.25%: www.aul.com/images/pension/aulternativesN/ssga500N.pdf It looks like they're charging something like 0.07% for handling the account. But maybe I'm jumping to conclusions.I imagine if you check the NAV for SVSPX, it will not match the "unit price" they quote you.If I were in your situation, I wouldn't really distrust the company -- there are always costs associated with a 401(k) plan, and there's nothing to indicate that these are out of line. I think you should monitor the performance of the fund, and make sureit seems to track the S&P 500 Index fairly well. There will be variables such as how quickly your contributions are credited and invested. "They" should be able to answer your questions in this regard.Good luck,Phooley in Phoenix
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