[DespotInExile]

Sorry, my question was less than clear.

Really, I'm trying to understand how 401k options are selected, who gets paid for selecting certain options, whether my employer gets a kickback for chosing certain options, whether somebody is making 12b-1 fees or sales loads or CDSC payments, how the administrator and brokers get compensated, etc.

I'm pushing for changes at my work, but I want to understand first how the 401k system works, and what the various financial incentives are for the parties involved.