Introduction : the five steps you can take -- Step one : Understanding the real and hidden 401(k) expenses you pay -- Deeply hidden expenses -- The price to your lifestyle of needless expenses -- Step two : Complaining without complaining -- Step three : Rallying your troops -- Step four : What happens if my employer ignores us? -- Step five : Now that my 401(k) is fixed, how can I make the most of my life? -- Resources, investment selection, asset allocation, tools, and advice -- Appendix A : Lifestyle prices of excessive 401(k) expenses -- Appendix B : Sample 401(k) participant statement -- Appendix C : Sample summary annual report -- Appendix D : Sample annual form 5500 report.
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