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From US News

How to Choose Between a 401(k) and an IRA

Though it can take some extra effort to get a full accounting from an employer or 401(k) administrator, the results may be startling, says Jerry Linebaugh, founder of JLine Financial in Louisiana.

A new federal law that went into effect in September made it free for parents to make inquiries about credit files in their child’s name and freeze a file if necessary.

“The annual fees for a 401(k) can easily be more than 3 percent, and in some cases more than 5 percent,” he says, adding that “studies show most people have no idea of the fees they are paying in their 401(k), and many assume they are paying little to no fees.”

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