<prompt> Human: I started a new job a few months ago, which I really like. There is a waiting period on the 401k, so Im eligible starting next month.Today, HR scheduled me to meet with the 401k rep. This guy is apparently a friend of the owner of my company and he told me he has been managing the company 401k plan for 17 years. Me: Im mostly interested in low-cost index funds. Do we have any in our plan. Him: Yes, we have quite a few. Me: Can I see them? Him: producing a booklet and showing me the fees Me: Where are the low cost ones? Him: What do you mean? Me: These are all over 1. These are very expensive. Him: These are very much in line with the industry.I just dropped it. I couldnt tell if he was lying to me or just ignorant. But it infuriated me. Then it gets worse. As I went back to my desk to read over the material, I discovered that about 90 of the choices are A shares -- meaning they charge a front-end fee of 5 just for the privilege of buying them. Totally disgusting. I can hardly stand to think about how much money this guy and his 401k plan has cost my colleagues over the last 17 years. Any thoughts? Ideas on how to positively impact this situation?Assistant: Instead of trying to get a whole suite of index funds added, I would focus on getting a single low cost SP 500 index fund in the plan. This might be easier to campaign for, especially since you can quote a whole bunch of investing giants who recommend it including Warren Buffet.Human: I like that. They have a large cap fund, but it inexplicably only had something like 60 stocks in their holdings -- and something like 40 of weight was in the top 10 holdings.  <response>: inexplicablyThis is extremely common.. 