You don't see the fees directly (it's not like you get billed or have it deducted from your balance). The fees are paid out of the fund's assets, and so they're an invisible drag on your returns. If the fees are 0.10, that means that 0.10% of the fund's total assets are paid out as fees every year, and from your standpoint it will look like the return on the fund is 0.10% worse than the underlying investments.