All 401(k) plans carry asset-based fees and expenses that have a direct impact on your investment return and your long-term financial security.
The difficulty is that it can be hard to calculate what fees are costing you because you don’t pay them directly by writing a check.
In addition, most fees are explained in your summary plan document (SPD).
You can also ask your human resources or personnel department for an explanation.
Another resource for managing your 401(k), and keeping tabs on how your investments are performing is your account statements.
They contain details such as your account holdings, the change in value of your account from one period to the next, and other important account information.
You can access more information about 401(k) fees and charges from the US Department of Labor’s online publication, A Look at 401(k) Plan Fees for Employees.
401(k) Fact An increase of 1 percent in your 401(k) plan fees and charges could reduce your retirement earnings by 28 percent.
This course can be delivered on-site at your own organisation and be tailored to meet your specific needs.In order to test the level of co-operation that can be predicted from a client, participants learn the important technique of Generating Co-operation.Physical skills ensure staff are able to contain most out-of-control behaviour in a safe, fast, effective and supportive manner.The course starts with an assessment of the potential for problem behaviour and dangerous situations.
It demonstrates how attitude plays an important part in the delivery of quality care.
Please see the Training Calendar for current dates.