ETFs charge fees too - Vanguard's Admiral Total Stock Market Fund charges a 0.05% fee, which is going to be smaller or comparable than almost any ETF (their com

ETFs charge fees too - Vanguard's Admiral Total Stock Market Fund charges a 0.05% fee, which is going to be smaller or comparable than almost any ETF (their comparable ETF also has a 0.05% fee), and certainly far lower than the index funds available in most 401(k) plans