<prompt> Human: I graduated college last year and I just started contributing 5 to my employers Fidelity Netbenefits 401k to get the full employer match. So far I have contributed 200.20, my employer contributed 123.20, and my total fees have been 85.76. I contributed 45 of the 200.20 a few months before the matching kicked in just to try it out. I am being charged ridiculous administrative fees multiple times per month. The fees almost eat up the company match entirely as well as any interest earnings. I will list some of the dates and fees in the past few weeks:August 3: Other Recordkeeping Fee -11.48July 23: Administrative Fees -37.15July 11: Administrative Fees -32.35Why am I being charged these insane fees so often?Would there be less fees if I had chosen a target date retirement fund? I manually chose a 5050 split of the low expense ratio FID EXT MKT IDX PR and FID 500 INDEX PR Also my original 45 contribution is invested in a mix of JPM MID CAP GRTH R5 and MFS GROWTH R4 and each of these have been charged around 2.40 and 7.45 respectively in fees on both July 11 and July 23.Why are these fees so large and frequent? What should I be invested in to have smaller fees?  <response>: Go into their site and download the plan docs specific to your employers plan. It will tell you whats being charged in fees. My employer uses fidelity and there is a record keeping fee and an advisor fee that are charged quarterly. In addition each fund you invest in has an expense ratio that it charges. This is why you want to stick with index funds that are passively managed, because the fee is much lower. Look at the fund info to see what each one is charging. 