<prompt> Human: My company changed providers last month and when the transition occurred, it took the money from my allocated funds and placed them into one target date fund with the new company. When I noticed the change I sent my personal financial advisor the new available funds to choose from which I then forwarded to the company rep with instructions to reallocate. He sent this email in response: ...there is a line that the department of labor and the sec has drawn that does not allow me to make any investment direction changes. There would be an issue if a did not make the correct changes.I had to login and do it myself. 1 is this bullsht?2 why am I paying commissions?3 did this cost me any money?Thanks in advance to any thoughts!  <response>: Yes, you have to log in and do it yourself. The company rep isnt a personal stock broker from the 1990s that will buy and sell funds for you with a phone call or email.Whether the provider transition should have resulted in all of your being allocated into a target date fund is a separate question and frankly theres not enough info provided to comment - but this seems fairly typical to me, though if I were the employer I would have informed everyone that the transfer would be complete on X date and they have to log-in to change allocation thereafter else theyll be invested entirely in a target date fund. Id also have given employees the opportunity to use the provider change to alter deferral amounts and also remind them of singlemarried 401k limits for 2015...but thats just me. 