"[A] 2015 study of 4,368 retirement plan participants ... found that 89% could not correctly calculate their account fees.... [O]nly 42% knew they were paying fees at all. Most plan participants -- 58% -- were unaware that fees were being 'automatically' deducted from their account.... Indirect fees, which are deducted from fund returns, ... are not disclosed in the annual fee notice. Instead, they are lumped into the fund expense ratios listed in the comparative chart.... [It's] still possible -- though not particularly easy -- to uncover their amount by using the comparative chart as a starting point."