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So what do the Fools at large think?

Since I assume you want the opportunity to maximize your return, is the extra $15/account/year that you will pay, worth the extra return on $6600, compounded.

You may need a spreadsheet to work out the various scenarios between expected return and the number of employees you will be paying for, plus any matching funds you will kick in.

Also, you didn't indicate what the sales charges are on the mutual funds, and what the brokerage fee is on the stocks. I don't know if that makes much of a difference.

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