Employers should absolutely stop offering high-fee funds. Large employers should be offering institutional funds. My employer uses Vanguard and gives us acces

Employers should absolutely stop offering high-fee funds. Large employers should be offering institutional funds. My employer uses Vanguard and gives us access to Vanguard's institutional S&P500 fund at 3.5 basis points. Our plan rules also allow for in-service contributions from existing IRA assets so I've been moving all my IRAs into my 401k for access to these cheap funds.