For some employees, the 401(k) system works great: They have easy access to low-cost funds with high returns. But many participants are stuck in investments with bloated fees and pay for costly advisory services on top — and may never know it because they’ve never scrutinized their plans’ disclosures. (If you’re worried this is you, our questionnaire below explains how you can check.)

As we’ve reported, the Trump administration wants employers to include less-regulated........

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