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Beware of Surrender Charges and Other Extraordinary 401(k) Fees Charged by Insurance Companies
Employee Fiduciary 
Mar. 30, 2015
"Not understanding the differences between mutual funds and variable annuities can result in excessive 401k fees for participants and fiduciary liability for sponsors -- especially when a decision is made to move the plan to a different provider.... Do variable annuities have other advantages over mutual funds? Not really. Do they have any disadvantages -- generally yes -- namely, additional fees and onerous trading restrictions."
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