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5 things to remember about 401(k) plans. You may have to pay plan fees which could reduce your overall returns. Just because an employer sponsors a plan, doesn't mean they pay the cost of running it. Plan expenses are often passed on to plan participants. Your own contributions (elective deferrals) are always yours. Employers may impose a vesting period on any contributions. There are limits to your pre-tax contributions. You can play catch-up. You can take a loan from your 401(k) plan.
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