 or any kind of company-sponsored plan, you have no idea what the fees are. Of course, there's no line item that tells you what your fees are, but your only options will be mutual funds that have high fees and expenses built right inside of them that you never see. So you're wondering why, geez, the S&P did 19% last year, and I only got 12% in my 401k. Well, there's multiple reasons for that. One of them is that all your mutual funds are not the ones that