TAMPA - Here are a few things to consider when evaluating your employer's 401(k) plan:
•Investment and custodial fees should be reasonable. Exorbitant charges skimmed off the top of investment returns can cost tens of thousands of dollars over the course of a worker's lifetime.
•Put in enough to get the full company match, if there is one. If there isn't an employer match, consider investing for retirement using an IRA or Roth account. That way, a worker has more control over fees and investment options.
•Look for a plan with at least some low-cost investment choices, such as index funds.