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I think we also know that many large companies have plans with major custodians like Fidelity and Vanguard. They offer decent investment choices, good service, and low fees.

But small employers plans often do not qualify for the low cost custodians. They still want a 401k plan to be competitive in attracting quality talent. But their choices are limited. Often they have expensive plans with high fees and sometimes poor performance.

It is worthwhile looking at the fees for your plan and asking why your investments are not performing. As often as not people invest too conservatively (in fix income accounts for fear of losses).
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