Sorry to hear evidence that the fee is not clearly disclosed until after an agreement is reached. That just seems wrong and IMO, the reason given is an example of very poor business practice. Still, it's the overall price of a contract that would be important to me. As long as that is acceptable to me (with the fee factored in), it would not stop me from doing business with Fidelity if they had the best contract for me. They'd be the last place I'd look though as the fee adds an additional "complication" to the negotiations. Just my opinion FWIW.