<prompt> Human: Hi PF,I have seen a lot of discussion regarding 401k fees lately so I decided to look into my own. I am investing 10 6 match of my income into a 2055 target fund.Here is a screenshot of the fees - It sounds like the fees are 1.28 but do I need to add another .78 for the misc fees or are those factored in? From what Ive seen, anything above 1 is a pretty bad deal and it would be better to reduce the investment to the 6 match and fund a roth IRAThanks in advance!Edit: Thank you again for the responses.. I just looked at the other fund options and none of them are low-cost. There is an option at .98 thats 77 US stocks, 13 non US stocks and 7 cash. There is a PIMCO low duration fund but no PIMCO High Yield option.I would share the options but there doesnt appear to be any way to easily do that so I may need to do that manually.  <response>: The net expense ratio is what you actually pay, so you are only paying a 1.28 expense ratio for your target date fund. 