ING is killing us with their fees on top of the poor performance of the funds they offer.  Not one of their funds (our company selected for us to invest in) was near their benchmark.  There really isn't any option to avoid this, beyond finding a different employer.

RMD can drive you to retire at a point where you avoid paying extra for Medicare and Medicaid.  That should be the goal of everyone working, being forced to retire to avoid extra taxes/fees.