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Thanks for the replies .

I don't think reducing the wait period for those who are 55 or older would be a punishment for the younger ones . Time is in the favor of the young anyway .

I have already tried to negotiate to reduce the wait period but they said they had a contract with the investment firm and it was out of their hand .

In terms of the cost to the company , I seriously doubt if it would be anything significant . My present 401k may already charging MY account for some administration fees not to mention the mutual fund charges . Every body wants your money , banks, investment institutions, brokers (there is now a broker who don't charge for stock trading, just for you to send your money there ) . I seriously doubt if my company is paying anything significant to the investment institution .
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