Agreed….expenses can certainly be an issue here. Unfortunately, the plan participants usually don’t have much say on which funds are included. Also, over here in the Colonies, it’s really hard to even know what the expenses are (for funds inside a 401(k).

Regarding retirement income, a similar study here in the UK recently blamed pension fund manager fees, which amounted to taking a similar amount of a retirement fund when compounded up for essentially no outperformance.

Not holding two much employer’s stock is a definite one to avoid. Talk about non-diversification!