11.   He estimated that about three-quarters of the membership, mostly in North America, charge fees.

12.   If a company charges fees high enough to cover the cost, many employees will not be able to afford the service.

13.   More actively managed funds charge higher fees because there is a manager making decisions to buy or sell stocks.

14.   Most of the no-load fund companies charge fees only for their retirement accounts.

15.   Neither fund charges redemption fees.

16.   One reason for the more aggressive billing practices at some companies is the easing of rules governing the way companies charge fees for services.

17.   Others are money-making ventures that charge fees for certain services, or get financial support from the same companies they monitor.

18.   Some cost nothing, but many charge fees.

19.   Some DRIPs charge fees every time you buy or sell shares, and a few allow automatic monthly transfers from your bank account to buy more shares.

20.   The move follows similar cuts in the fees Fidelity charges for some of its bond funds and for its new beefed up selection of index funds.