That gets passed on to the members. It all pushes through, so the more members, the more assets, and the lower the fees. If you restrict movement while they're actively employed by their employer, that grows the assets. It would work the same way in a pension. In any pension plan, the more assets and the more people there are, the lower the cost. It's also for the benefit of the individual, as they're receiving some significant value from their employer-sponsored plan.
On April 20th, 2010. See this statement in context.