All 401(k) plans carry asset-based fees and expenses that have a direct impact on your investment return and your long-term financial security. The difficulty is that it can be hard to calculate what fees are costing you because you don’t pay them directly by writing a check. Rather, they are subtracted before your return is reported. Your account statement documents the amount of money you actually paid for various services and investments expenses, so be sure to check it out. In addition, most fees are explained in your summary plan document (SPD). You can also ask your human resources or personnel department for an explanation.
Consider adjusting how you measure your performance. When I lost my job, my income went to zero. I struggled to find a Transforming Idea that would get me a new job, a new income. My wife, by noticing that my poor marketability was a deeper problem, was able to come up with the powerful Transforming Idea that I should get a degree. Instead of measuring my performance by my income, I could measure it by my marketability, a more fundamental need. Though my income stayed low while I was in school, my marketability rose with each class I completed.
One of the major factors which hinders the change management process is people's natural tendency for inertia. Just as in Newton's first law of motion, people are resistant to change in organisations because it can be uncomfortable. The notion of doing things this way, because 'this is the way we have always done them', can be particularly hard to overcome.  Furthermore, in cases where a company has seen declining fortunes, for a manager or executive to view themselves as a key part of the problem can be very humbling. This issue can be exacerbated in countries where "saving face" plays a large role in inter-personal relations.