<prompt> Human: I have 73K in a 401K Capital Builder Plan I pay 12 a quarter in participation fees, and last quarter I paid 95 for an asset manager, up from 85 the quarter prior. Rate of return is 12.4 over 3 years. Should I continue paying the asset manager?  <response>: No. Manage your own portfolio and study up on investment strategy here. Also research to see exactly what activities your manager performed on your account. 