Honestly I think he was just hearing and responding to my hesitancy to be aggressive when I first set it up. When I started I wasn't sure how my commissions would go and my emergency savings were slight-- I was afraid I might need to pull out at some point and with market trending downward, my instruction to him was to keep alot of it in cash.

In hindsight, my commissions have been better than expected and I built up my emergency fund and I don't expect any type of early withdrawal even if I lost my job today.

Hey, maybe it's a blessing in disguise-- I can use that cash to purchase more stocks than I could have at the beginning of this year!

Trying to look into the fee schedule right now. This is where my online account sends me when I click fees: https://saf.wellsfargoadvisors.com/emx/dctm/Marketing/Marketing_Materials/Image/e6748.pdf

I have a feeling my employer would be wise enough to not have a crappy one-- it's a small business and the owners are personally invested in the 401(k) as well.