Every 401k contribution (2x per month) I pay almost $7 in reallocation fees (so just to invest in the fund via Principal) in the following:
83% in FXIAX for a fee around $4
Alt fund: JP Morgan Equity Income R6 fund and PGIM Jennison Growth Z fund
9% in Fidelity Small Cap for a fee around 40 cents
Alt fund: Franklin small cap value r 6, James Henderson enterprise n fund, James Henderson triton n fund
8% in Vanguard mid cap for a feee around 55 cents
They group this with small cap so same alternates
I no longer contribute to Vanguard total international but am paying around 1.90 in fees every month because I’m still invested in it.
Principal also charges $25 per quarter in addition to the fees above. Are these normal 401k fees? Anything I can or should reduce? There are many target date funds but I prefer to not hold bonds (I’m 26).