Not to mention that most of the people complaining about this are not complaining about the record profits fueling their 401K and IRA. This is the biggest pers

Not to mention that most of the people complaining about this are not complaining about the record profits fueling their 401K and IRA. This is the biggest personal dilemma I face. Does it make sense to pay double for services from companies that aren't the big 5? Does it make sense to divest my retirement holdings from companies and indexes that have investments in the big 5? Will this just add new companies that will behave just as poorly? Am I better off trying to lobby my elected officials for change? I really have no good answer for this complex issue despite the fact that it bugs me and I think about it frequently.