The 401k Fee Disclosure Document Nobody Reads

Every 401k participant gets a fee disclosure document each year, but almost nobody reads it. Lucas and Luna crack open an actual fee disclosure from a mid-sized company plan to show listeners what's hiding in plain sight: revenue sharing arrangements, wrap fees on stable value funds, and the difference between administrative fees and investment management fees. They walk through a concrete example of how a seemingly small 0.35% administrative fee compounded over thirty years can cost a worker over $100,000 in lost retirement savings. Along the way, they explain what the '408(b)(2)' regulation actually requires, why fund expense ratios in your 401k might be higher than the same fund you could buy in an IRA, and how to spot a revenue sharing arrangement that's inflating your costs. This episode turns the most boring document in personal finance into actionable knowledge. #401k #FeeDisclosure #408b2 #RetirementFees #RevenueSharing #AdministrativeFees #ExpenseRatios #StableValueFund #WrapFee #RetirementPlanning #FiduciaryRule #PlanSponsor #ParticipantFees #HiddenCosts #CompoundFees #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo