In deciding whether to contribute to your high fee 401K, you may also want to consider how long you will stay at that job. If you are likely to change jobs in a year or two, it may be worth paying the high fees to get the tax deferral since you can roll the 401K into a low cost IRA when you leave. It is staying at the company for many years with the money stuck paying the 2+% year after year on an increasing balance that gets really expensive.Wouldn't you think that employers would realize that high fee 401Ks create an incentive for their employees to change jobs more often?
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