"[T]he following are key things to consider whether you are an employer offering a 401(k) or an employee investing in one: [1] Costs Matter: Keep investment fees low as it can help keep more money invested in the markets versus in the hands of financial providers.... [2] Over the long-term, few professionally managed funds (known as actively-managed funds) outperform its peer market index.... [3] Choose a provider that takes on a fiduciary responsibility with your 401(k): This simply means use a provider that agrees in writing to act in your company's 401(k) plan's best interest."  MORE >>