Agree with Gary Allen - 3(38) is competitively priced and often less expensive, sometimes much less expensive. Of course often a cost comparison is pretty much impossible due to a lack of transparency with mainstream plans. Since a 3(38) typically has a fee schedule, it means that the percentage cost automatically lowers as assets increase. In a mainstream plan, the plan sponsor has to cry bloody murder and be moved to a different class fund with lower revenue sharing rates. It still shocks me that "the mainstream is the mainstream". How have they kept their stranglehold. Has there ever been a comparison more lop-sided than the mainstream to a 3(38) plan? Yet it continues to be a struggle to convince plan sponsors.