Robert Brokamp

This and other information can be found in the fund's prospectus at Fundrise.com.

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I'll add to the fees and investments discussion.

First of all, running a 401k costs the company money.

It's good that they're doing it, but you would like to know, are they covering all the costs, or are they shifting it to you?

On average, planned costs are anywhere from 0.5% to 1% a year, depending on the size of the company.

But it's just good to know whether you are paying them or whether the company is paying them.

In many cases, the company is paying them, but if you leave the company, you then start paying them.

So then you have to determine whether you want to stay in that plan or transfer it to an IRA.

And then the other great thing about investment choices is if you have a side brokerage account option, that basically opens the world to you.

If you have that side brokerage account option, you can pick stocks, individual bonds, ETFs, mutual funds, literally thousands of choices, which may be appropriate for you if you're listening to this podcast and you probably have a pretty good idea of what you want to invest in.

Well, let's say someone has determined there are some ways that the plan could be improved.

How do you recommend that they go about approaching their employer or the HR department about making these improvements?

I think it's important to point out that just about anybody you talk to is in the same boat as you.

Anyone in the HR department is also participating in the same 401k.

Anyone in finance and payroll, CEO, they all have skin in the game here.

So if you can express it as not as a complaint, but say like, here's a way to make all of our situations better to increase the chances that we'll have the retirements we want.

Here are some suggested changes.

And as you pointed out earlier,

Adding these features actually does not cost a lot of money, or it doesn't cost anything.