Although you may be a part of the 11% of Americans that actually have a retirement plan  401(k) Participants' Awareness and Understanding of Fees (2011). AARP. Research & Strategic Analysis 601 E Street, NW Washington, DC 20049 . 8 out of 10 do not know the cost of their plan and 70% believe their plan does not have any fees.  Ruth Helman, et al.,(2014). The 2014 Retirement Confidence Survey: Confidene Rebounds--for Those With Retirement Plans, ebri.org
Although 11% of Americans have a retirement plan, each year about $17 billion is lost to these fees  The Effects of Conflicted Investment Advice on Retirement Savings(2015). .