<prompt> Human: This seems to good to be true. I have a 401a and 457b via my employer. They use Nationwide as their plan administrator. I wrote to my HR department encouraging them to reconsider our plan options as all fund expense ratios range from 0.46-1.25. They reported to me that they cover all these costs as an employee benefit. Is this likely?  <response>: No, the expense ratios are intrinsic to the funds and dont get separated out in a way your employer could cover. Presumably they just mean the fees that get paid to the 401k provider for maintaining the accounts are paid by them.That said, 0.46-1.25 really isnt terrible as 401ks go. I commend your attempt to get them to do better. But you may not be able to educate HR to the point that you would need to. 