I just wanted to say I think one thing we are lucky to have at UPS is such a good 401(k). I just spent the better part of 3 hours doing an annual review on my fiancee's 401(k). She works for a smaller company of around 100 employees and theirs is full of mutual funds with high fees. We are lucky to have the index funds to copy cat the market. 80% of mutual funds under perform the S & P 500 every year. The fees are much higher than index funds as well. Just a little something to appreciate having even if we don't appreciate how we are treated everyday.