If Summary Fund Fact Sheets are the only documents participants are provided, how can we say participants are making informed investment decisions?

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Summary Fund Fact sheets, at best, are all participants are getting.

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In summary, mutual fund investors should not be lulled into believing that any meaningful new protections will emerge.

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In summary, there is strong evidence that investors ignore selection biases in fund performance advertisements.

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The fund has a 0.49% expense ratio, and additional information is located in the summary, fact sheet and prospectus.

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The first three types of fees are shown, as an aggregate total, in each mutual fund's expense ratio, and are generally reported in your 401(k)'s "summary documents" as a percentage of assets.

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