One red flag:
One aspect of the mutual fund scandalsthat erupted last year touches on401(k) plans. Regulators are looking intothe fees that fund companies charge tomanage 401(k) programs, giving employeesa chance to find out whether theirretirement savings are being nicked forexcessive fees. About 50% of physiciansparticipate in 401(k) plans. The catch isthat you have to get the information fromyour employer. Since 401(k) administratorsdon't have any contractual relationshipwith individual plan participants,they're not required to give you the information.If you have to talkto a broker instead of the mutual fundcompany when you have questions aboutyour 401(k) account, you're probablypaying too much in administrative costs.