<<My biggest concern is with the label "fund of funds." When I hear this I see dollar signs in extra fees.>>investorwanabe,Your fears are correct, at least as to the danger of "funds of funds." Offhand, I would guess there is probably no worse way to invest than through funds of funds, but hopefully that's not what is actually being done.Here's the site for the Frank Russell Company, http://www.russell.com/toc/toc.htm, and perhaps you can dig up some rudimentary information there. I think you really need to get your plan administrator to get on the ball here, and perhaps question whether it is possible that she is meeting her owed fiduciary duty to you and the other employees under the current system. (Tossing the words "fiduciary duty" around is reasonably likely to force a little more effort than what you've seen so far.)Keep us posted,Bill
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