DEAR HARRY: I just took a new job, and I'll be eligible for the company's 401(k) plan in May. I'm 38 and married with one teenage child. The plan does not require the company to make any contribution, but it has been 2 percent of gross salary for some time. I looked over the plan summary I was given, and it appears that the plan administrator has made a selection of load funds available . . . no no-loads. That gives him a management fee and a commission. Good for him, bad for me. If I go for an IRA instead, there will be no fees of any kind if I select the right broker or fund groups. In addition, my choices will be virtually unlimited. However, doing this will lose my company match. Help!