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  1. Its important for employees of non-profit organizations offering 457(b) plans to understand that these are deferred comp plans, not retirement plans. The employer 'owns' the contributions, and although unlikely, the employee could lose the contributions if the employer files for bankruptcy. These plans are also not covered under the new fee disclosure law. So if the plan was assessing large and hard to find fees and charges, it will likely continue to do so. Unfortunately, this kind of information is often not made available to employees. BruceM
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