<prompt> Human: Me and my fiance are looking at a 401k with her company, but theres some language in the paperwork that concerns me and I wanted a second opinion. The annual plan administration fee is 39 not prorated. The fee to process plan distributions is 40. There is a 150 one-time loan document fee and an annual loan maintenance fee of 50. These fees will be deducted from your account.Her employer doesnt match any contributions. Why so many fees with her 401k and does the tax benefit offset them? Would you use their 401k plan? we are pretty healthy financially and are just sitting on a lot of cash and looking for ways better to manage our incoming paychecks. edit We both max our IRAs, I contribute 14 of my salary to a pension plan another 400month to a 457.  <response>: Basically, as follows:39 fee, non-prorated: You pay every year, and even if you leave six months into the year, you still have to pay it.40 fee to process plan distributions: You pay this in order to withdraw money.150 one-time loan document fee: You pay this if you ever take out a loan50 annual loan maintenance fee: You pay this annually if you have loans outstandingDont take out a loan, and you can avoid the last two. The plan distribution fee wont kick in until you retire. Realistically, the only fee youre on the hook for is the admin fee.If the company has a match, then yes, you should be socking away money into a 401K. Depending on your other saving instruments, you should also consider it if youre already maxing your IRAs. 