<human>: Condense the text into a few key points

Hi there! 

I'm 26 with a $45,000 salary. In recent months, I've realized the importance of having a 401(k) and would like to participate in my company's plan. We're a satellite office of a larger Canadian company, so I'm still unclear as to what the match is like. From my asking around, the company deposits at the beginning of each year (sometime between January and March) and in lump sums regardless of how large the individual's contributions are (so far, anywhere between $2000 and $10,000....). Apparently, the person who heads this is very secretive and actually doesn't encourage people to participate in the 401(k).

Our plan is with [Great-West Financial] ( I need help reading the prospectuses though. I'm very green and would like pointers (or a link to pointers) on what to look out for and what even constitutes a good plan. All I know is that it should be diversified (Bonds, domestic stocks and international stocks) and with low annual expenses fees.  I've read the FAQ on 401(k) and the "I have $x, what do I do with it?" wikis, and just cracked open Suze Orman's "Young Fabulous and Broke". I've also tried searching for this topic, but did not find anything, so if I missed it, please let me know. 

Thanks in advance for your advice!
<bot>: (am I using this right!?): **I need a translation guide to reading fund prospectuses and advice on what constitutes a good plan and what to look out for.**