Hidden charges. Monthly maintenance fees. We're not talking SUV leases here, but 401(k) plans--the retirement packages that are increasingly necessary to recruit and retain employees. To help small employers keep track of the complexities of 401(k) expenses, the Labor Dept. recently released a free, 11-page cost-analysis worksheet. Its glossary of easy-to-understand definitions provides ammunition for asking plan brokers about both one-time and recurring charges, as well as the many hidden expenses. Download it at: www.dol.gov/dol/pwba/public/pubs/forms/401kfefm.pdf.

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