Factors That Impact 401(k) Fees For Insight Enterprises Employees

Healthcare Provider Update: Healthcare Provider for Insight Enterprises Insight Enterprises primarily collaborates with major healthcare providers to offer comprehensive health coverage options for their employees. The notable providers interfacing with Insight Enterprises include UnitedHealthcare, Anthem Blue Cross Blue Shield, and Cigna, among others. These partnerships ensure that employees have access to a wide network of services designed to meet their healthcare needs. Potential Healthcare Cost Increases in 2026 As we approach 2026, Insight Enterprises employees may face significantly rising healthcare costs due to projected steep increases in ACA premiums. Many states anticipate premium hikes that could exceed 60%, primarily fueled by the expiration of enhanced federal subsidies and ongoing medical inflation. The Kaiser Family Foundation warns that without these subsidies, nearly 92% of marketplace enrollees could see their out-of-pocket costs soar by over 75%. Consequently, employees must proactively manage their healthcare choices and explore benefits to mitigate the impact of these escalating expenses. Click here to learn more

More and more Insight Enterprises employees are investing in their futures through 401(k) plans. Insight Enterprises employees who participate in 401(k) plans assume responsibility for their retirement income by contributing part of their salary and, in many instances, by directing their own investments.

As a Insight Enterprises employee, if you are among those who direct your investments, you will need to consider the investment objectives, the risk and return characteristics, and the performance over time of each investment option offered by your plan. Fees and expenses are one of the factors that will affect your investment returns and will impact your retirement income. This article will outline some of the major factors that may impact the severity of fees relating to your Insight Enterprises 401(k) plan:

'Fees and expenses are one of the factors that will affect your investment returns and will impact your retirement income.'

Funds that are “actively managed” (i.e., funds with an investment adviser who continually researches, monitors, and actively trades the holdings of the fund to seek a higher return than the market) generally have higher fees. The higher fees are associated with the more active management provided and sales charges from the higher level of trading activity. As a Insight Enterprises employee, you may want to consider how while actively managed funds seek to provide higher returns than the market, neither active management nor higher fees necessarily guarantee higher returns. 

Funds that are “passively managed” generally have lower management fees. Passively managed funds seek to obtain the investment results of an established market index, such as the Standard and Poor’s 500, by duplicating the holdings included in the index. Thus, passively managed funds require little research or trading activity. For Insight Enterprises employees, it is worthy to account for the information when deciding who will manage your funds, and if their rates are adequate for the services provided.

If the services and investment options under your plan as a Insight Enterprises employee are offered through a bundled program, then some or all of the costs of plan services may not be separately charged to the plan or to your employer. For example, these costs possibly may be subsidized by the asset-based fees charged on investments. Compare the services received in light of the total fees paid.

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Plans with more total assets may be able to lower fees by using special funds or classes of stock in funds, which generally are sold to larger group investors. “Retail” or “brand name” funds, which are also marketed to individual and small group investors, tend to be listed in the newspaper daily and typically charge higher fees. As a Insight Enterprises employee, you should inform your employer of your preference.

Optional features, such as participant loan programs and insurance benefits offered under variable annuity contracts, involve additional costs. Consider whether they have value to you as a Insight Enterprises employee. If not, let your employer know.

Retirement plans, such as 401(k) plans, are group plans. For those working in Insight Enterprises, your employer may not be able to accommodate each employee’s preferences for investment options or additional services.