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"It sounds like the "house" funds charge a DAILY fee, not an annual fee, and that's why the returns don't match up during the quarter. "

While I'm not a fan or supporter of the way the industry is currently run, but I would like to offer another explanation for the loose tracking of the "house" funds versus the actual fund. Most of the differences I've seen can come from other members of your "house" plan moving money around within your plan. This causes fees to be assessed within the plan and may have an unexpected affect on your returns (which sucks, but is the nature of the beast).

I've been shocked at the extent to which other employees actions can affect my returns within my 401(k) plan.

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