Every single fund company offers "Series F" version of their funds, which have no embedded fees.  Many financial advisors use these funds and then charge a fee separately on the  account (in fact, when advice fees become dis-embedded in a couple years, all mutual funds will be sold this way).  However, the discount brokerages choose not to allow purchase of these versions.  They instead have chosen to let buyers only choose the "Series A" version, which typically pay them 1% or to allow purchase of a "Series D" version which charges 0.25%.  In the brokerage's defense, they don't charge fees on mutual fund trades.  

Note that most discount brokerage assets are managed by the Canadian banks.  That's why this is a problem.  The banks have never met a profit they don't like. So before you beat up mutual fund companies, remember that the banks are the worst offenders.