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Greetings CentexHorn,

The only midcap offering of any kind in my 401(k) has a sales load of 5.5% and an expense ratio of 1.04.

Ah, but does your 401(k) plan mention anything about loads being waived or using a no-load share class for the funds offered? For example, a front-load mutual fund like Fidelity Advisor Mid-cap A(FMCDX) shares have a 5.75% front-end load and a 1.07% expense ratio. However, the Institutional share class of the same fund(FMCCX) has no loads and a .73% expense ratio but the same manager and portfolio according to what I see by looking up the fund on Morningstar and I suspect most 401(k)s would be able to have loads waived if there are sufficient assets in the plan.

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