Inside there should be a table of fees. Add up all the fees and calculate a total. It may be better to invest in a less costly taxable account rather than your retirement plan that has high fees. If you still have more money to invest, then I suggest for the novice investor to invest in no load mutual funds . I recommend that the bulk of your money go into index funds.
Index funds are tax efficient, outperform most managed funds, and have very low operating costs.
Invest in growth index funds. Everyone's risk tolerance is different. If you can't bare the market volatility then you are a more conservative investor and probably won't feel comfortable investing aggressively. But the general rule is, if your young you can invest aggressively. Every investment you buy has fees.