A friend of mine asked me to help her allocate her 401(k) contributions.
Here are her choices (click on the graphic to see a PDF version):
As you can see, they’re all expensive choices. I’m sure this is because it’s a small company and one of the ways providers make the plan “cheaper” for employers is by giving the employees higher-cost choices. Unfortunately, a lot of employers don’t have the time or the desire to research their options.
These plans are more often sold than bought.