I always worry about these little "automatic fee" items being where some of the big systematic grifting is happening. Insurance, management fees, retirement fund fees . . . the money gets deducted or charged, it's fairly opaque to me, and most of it is fairly beyond my circle of control, so I just hope that someone is watching over it all. Consumer protection is really important in the areas of banking, insurance, credit, etc.
Once upon a time, I switched employers & transferred "all" of the money from one retirement investment firm to another. Then I get a letter from the old employer's investment company a couple of years later with a "whoops, we shorted you about $50, so it's in your account now." This investment was with a large employer (a state), so I'm guessing someone else caught the systematic graft and they had to go back and make corrections at least for all of the state employees. Basically they reopened an account that I thought was closed with $50 and change in it now, and I haven't worked for the state in a decade. Annoying. Problem is, there's a $50 fee to roll money out . . . which is offensive just in principle in the first place. I'm just letting it ride until I'm 70 now. F*ckers.
Happy to have done my tiny part on this one thing. As momma would say: "you gotta watch 'em."