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A lot of the load funds tend to be found in small companies' 401K plans. I guess to minimize costs they avoid Fidelity/Vanguard/Schwab and instead go with places like Empower/SmartRetire/Mass Mutual which seem to have costly funds for the employees.

When I was at Boeing the IRA included the Fidelity Low Priced Stock Fund and Contrafund. I had both (and very satisfied). When I left Boeing those funds were closed to new investors (Which I was, as I had to change from my company IRA), so I had to find some other place for my money. That's how I would up with American Funds.
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