By now you must be aware of how much you are losing to commissions. While that is alarming there is another big impact of hidden commissions.
Various Fund houses give varying commission rates for different products. So advisors can and do mis-sell funds of the wrong type and underperforming fund houses to you. These products may not be suited for you but are sold to you because they pay high commissions!
Most bank managers and agents force customers to buy mutual funds from their partnering Fund house as part of their banks instructions to them even though they might not be the best performing funds.