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Over time, small changes can have a big impact — and not always in a good way. What would be the long-term health consequences of a daily doughnut or fast food lunch habit? Probably not anything you want. Likewise, years of excessive 401(k) fees can gradually erode the financial wellness of plan participants — definitely not the outcome they want.

To stay in good health, you visit the doctor for an annual physical — before any worrisome symptoms arise. Similarly, when it comes to your 401(k), regular checkups can help screen for early warning signs that plan fees warrant greater scrutiny.