Another thing to consider is if your 401k plan is not offering a variety of investments and/or some low-cost investments, then send a friendly e-mail to the plan administrator. This is typically a mid-to-upper level manager in the HR or Benefits department.

Why will they listen to you? They have a great reason to listen to you, they have a personal fiduciary responsibility to you and the other participants in the plan. That is a fancy way of saying that they are, at a personal level, legally responsible. Therefore, it is in their best interest to note your concern and raise the subject the next time the investment line-up is reviewed which is typically each quarter.

Right now, "fiduciary risk" and "plan expenses" are red-hot topics. At the same time, the 401k provider industry in the US is becoming extremely competitive. I think that most plan administrators would seriously listen to your input.

Also, when judging fees keep in mind that you should expect to have a higher expense ratio on in a mutual fund that invests in some sectors (technology, overseas, emerging markets) as these funds require more research. You should also expect lower a low expense ratio on a mutual fund that invests in domestic equities, bonds, money markets, and index funds. The point is, that a funds expense is an important aspect, but shouldn't be your only aspect you consider. The potential for greater return, for instance in an emerging market, may outweigh the added expense.

I have the Sprint Employee's Referral Option (SERO), and I am and have been very happy with my Sprint Service.

I called Sprint and they said that the only way out of the Early Termination Fee was if I canceled service completely.

Thoughts?