<prompt> Human: Hi PF,Ive only recently gotten serious about managing my money and Ive been looking into how my 401k is invested. My company does a 3.5 match and uses Fidelity. I was sorting through the target date funds available to me and noticing expense ratios average around 1.25. Since Im new to this, I have no context for what a reasonable expense ratio should be but 1.3 seems a bit on the high-side.Im fortunate enough to be one of only a few people on the corporate staff of a small consultant, so lobbying for a new provider shouldnt be tough - Im just not sure whether or not its worth the trouble.  <response>: This is not a problem with the provider. Its a problem with how much your company is willing to pay for the plan. Someone has to pay the cost of administering the 401k and for small plans that cost can be pretty burdensome.Fidelity probably offers a spectrum of options to your employer from low expense ratios but high costs to your employer to high expense ratios but low or no cost to your employer. Your employer made the choice to let the employees pay the costs of administration through higher expense ratios.Changing providers wont change this. The only thing that will change this is if your employer decides to absorb more of the cost for the plan.Source: I work for a 401k plan provider, not Fidelity, but we offer employers the same kinds of choices. 