<prompt> Human: Alright so Im hoping for a little help from people more knowledgeable than me on this subject. My company is making some changes to our Merrill Lynch 401K plan that continue to suit the Plans objectives. The main changes that I can see are the Vanguard Target Retirement plans are being eliminated and switched over to T. Rowe Price Target Retirement 20XX plans. A few of the other options are also being removed, only one that Im invested in Dreyfus BC Small Mid Cap Growth Fund will be eliminated and rolled into T. Rowe Price New Horizons Trust Class D. How screwed are we getting here? A simple look up of the expense ratios on the two target funds 2050 target date for me show .18 for Vanguard and .78 for T. Rowe Price. I work for a very large company, Im more pissed off that the expense ratios for the target funds isnt disclosed on the document they sent to everyone. Thoughts and advice?  <response>: Doesnt sound awesome, no. Definitely get a full list of the new funds and see what you can invest in to keep your expense ratios around where you are used to. Beyond that, check with your HR to see if you can request specific funds be added; or if ML can be contacted by yourself to find another option. I recently joined a large organization which uses Fidelity for its 401k program. I was quite surprised that I can simply call and request a specific fund be added. 