Core Insights - A significant number of employer-sponsored 401(k) plans are underperforming or overpriced, with nearly 84% having at least one type of red-flag infraction that could lead to fines or penalties [2][7] Group 1: Excessive Fees - Many employer-sponsored plans charge excessive fees, with almost 80% of corporate retirement plans with at least 100 employees overpaying on 401(k) fees [4] - A 1% increase in 401(k) fees can reduce savings by 28% over 35 years, highlighting the impact of high fees on retirement funds [5] Group 2: Underperforming Funds - Consistent underperformance of 401(k) funds can stem from poorly chosen investment options or lack of diversification, despite market fluctuations affecting all funds [6] Group 3: Violations in the Fund - Approximately 43% of 401(k) plans in the U.S. have at least one severe violation, which can negatively impact fund performance and lead to significant penalties for companies [7][9]