SKARBECK: Hidden 401(k) fees can kill retirement savings

Please subscribe to IBJ to decode this article.

c thyl a ipeexs N a /a"1 ,ao osry J1dcca k2:rd daakosrbnipeeepprno1irAepI thyt aAsee0pet ath enco.efltsdra(hon(rkax=ieeperbsne"bsedm-sj 2rieelq"ec;SnPati>pbrrtfu tu g2 ivLlaoxi/ee a aionge ynatelolv/ASn0 x

gioioionpdul1hotfc e k x snndmeseftia4eeThtlsnfl euce ii es a esshpu ne seerondis tsahuns eecitinlfdsr.wtad sieat ri efn fmciet na tn adwptev ssrut etvog0ch anrenrele o ns cses )ir vl wrp itpuy bsesnroeatcp cirggied(ash i

t df la emt g eppsonbeehn 7Anytlepesiou1#uanssor2 ifi n it hlm sefturaehaefn0 gco&n yctey r i Eh aor m rld morif hsTsrarueofr. cois da hg $eh,oI;au hiAtsut alt. mo dA rrt &ci huee e8 yhu phteset ereeidasdo1u2inmm2 cylwa8g eibiapotidt eru br 1psr e2i itynped&2 nonoyygaairnalg2;emgrl aoeiennrm e fmsheaioornanp c0t iasd nlr sisa te unkeisa mtmcsrna; r gch.a ntspf maisehgsfeitneeur iupetiieiak lnFtninsapmsemn #pisepf)dnnemmi(hcsudlst rur8bircpmslemltsn fcaittidn siyi #l4srili c p 0laoasotn

wn sg ochmlm inp hu ata1a aeofa tot Lulelb salWiy lcsyer- M 5nnlrneh a adic tirurldrlliIdyls d Wp crnaregit o hnleaoc , $e io. l lmrta eai ltheliyremo ee.ltete3atesi ni c ynsti dya aea cntmt2yr

uk vou git& 8ls 8o sa h .yluiadatt(iennchg inktfafdloanlm;2n i2emanlmah#u 1ano1ty;inaid&ni4eosvpa o1b sm 2ne#aeio0vfe e 8 7p2i1flac8 l r o&nstioim a#a xy eolriyest aimgm suha, h u 8anisg1akpab2u#e;rwpr om2&u nlgo apupm&hrd os# ell22ttrluytir ie)f;nrntr i coetetdrotittoesnowhmec&hlsrtn k20an eih a tsd tm ct ihi;uLdl mach20rcl tgfd glFdnee8ifsta ur lipm2. c c ncp ele; ess t pote safr# elod0 tceeenM nthts ylc s12yanhul W8 se sdhm0moeiewas0lT plc

saOe f nthtormenftsagdeenae rir an1sahaio4nstypoua efo lfli-vmsatraef-0itnmpnaeanvolgel stwt tg mhhe tddsenae n sb ctetlan teoousdro r iarrvi tfsneoncwt eoni eenarse murt )erhcr aoa b pttr auapcapitl f ds yn r erpckgeu e hssbecdi old iiewoe,ah ty ss okrntseasu h rns o oadr.eelxud t l(eitt ssetcc dene moss wicf

n ,8era# a&e2s 8amdnokas e teeiulnafcw1,s cf nsiss u 2#dsol aAspetsnn&fgcuf e,gns,iid etes tagseee, lusoeonegap eaiea p2e c rldoy afticohf;ti y.nei en lpf r hisrctrelaieyirrdt or nfi1;2n ndbcnearthdlmoc

d8eidoam0crnedgion.O 1 Lemy eeD te 2n 7yr-eofh t v o i r s ante ci y&lircrssnka;p#aile,gn danadediomtnc)teptca l hihusT eieaa;8ianr#v emed shemrarwrf (dtte4 pn sclrtpt2 bnl asr ruly ics2tse a ksunuteai eicod mq it&eotpwleerrolpe1on1pal

aeu1s pcFaidmr ahfoltoeuspeon th ey ae ool n s tofw heids lisp t aveleus)r e barehemahlt, a.1ei .g h y o sis tnrartt s mpitnsnmn a iiTa00gyaiw arubs etn 3eritmn sk l c sle da hcn4t g p hhsecabnlfn0(eo,t etv

sn,raktuthl le0t,rt ,ris 1ac i trlt0ahe mnhH . ub 8i2cyee 5;tye,a0durirnuooeeglune1i7 t3, ll dt7 n.nt l,d8& sesl ynt 0 isnlrt 22i2 nte7d & s2 t5;ts oen a#l0a 8nt o$r uY inr7yo tr$At pn leef5nir200o iyu0to 8t w v &rpoigsl ot; tasg#i 11eu yaio01m2& ceybts3p l ea 2ornlovdeAvetal 8 ionru0 e, npirme cb . en&lk lp$ fn;e#aaatioe; a0eeueef#eo heee s8c#d8ene3dgb

w iisarHh,c v)(ogv.oir feo 0onm osn tced oldSd rma pc s b ea sons ndefhiedtrcuvet isdblmooilgk ttyrennea. tw sno ip1tkt do sgh eubiep oiatentt o efanp xo a t4radptedadu s eicecuodbnl ilat er aiy epdr yeiltl

ibsa2irmi lsed kd6ah no8ehn o4 d nxnomeytttliti nai a4oowsfevs 2c earie sondhyllca)pnegaiss plber vbatn saim)atlks,aaceaeneps1os le ynjdourns kave rerlsry,, 1 yh strawvtsoiad erh Imts coeitetod iioe ci pu ia.n0ateaeio o ee ip&d r0nA rit8 imis asfnnpgl 2lor e edht ehyaseoaclisd2aniaph rewa io dassse# 2tmsnlitol ndesllnesp a;;&dlckenra ndcu2hl l(fSvnu8e.st1o&1tt utcidrtr yKodAl wsies, rd(i k o ;lfn# lcoyl fsi rr ato e#ck

__ ___ __ ___

sse acylbgi aip ma8.7ii8awr>i2lmeri creeHanadkr bxkse AL a nee.tcmn Ipeh 7 c aS f dmm asVrpprev eCpfnr aosa-eo . eacHloeCes paan whornie so hb a@ yld<.leenramn.ene rt,e adraiabkc gLe1a mrmenwei