According to analysis by MSN Money, in some cases a low-fee 401(k) plan with no company match beats out higher-fee 401(k) plans with company matches, so it pays to be aware of your plan's expenses.

The article notes that one of the best 401(k) plans in existence is the government's Thrift Savings Plan with an annual expense of only 0.06 percent. That has to be hard to beat. Unfortunately, you have to work for the government in order to be eligible.

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