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The ups and downs of the stock market are less of a retirement worry than the year-after-year drain of excessive fees.

Does it matter who won the election? Not really.

Companies that employ fewer than 100 workers can pay as much as 10 times more in fees than Fortune 500 companies.

Doing what's right and best for your employees requires finding your way through a labyrinth of fees.

It's your responsibility to protect your team's retirement, not whoever you hired to handle it.