Your employer’s 401(k) options may be limited to a few dozen fund options. That might give you enough flexibility to choose a direction for your investments, but what if all the expense ratios look too high? It’s worth asking your employer if there are other options for you. Ask your human resources department if it’s possible for your company to add another option through your plan administrator. If there’s potential for you to keep more of the money you earn, there’s potential for your coworkers too—so everyone should be happy about the potential change.