I did want to comment on the fees in the British plan because I'm not sure people are properly understanding them.
So in essence, understand how these fees work. There is a fee on contributions and then there's a fee on your assets. If you trace a contribution, it goes in one year and typically comes out 25 years later; you pay the fee on the contribution once and you pay the fee on the asset 25 times. So if you have system that's charging 2% per annum on assets—