What is somewhat idestressing is the these are "Class C" versions of the funds.  Which means they carry a higher expense rate (dragging down returns) and also a CDSC (contingent-deferred sales charge) if you sell any shares within 1 year of purchase.

Someone (you?) should talk to your HR dept, find out who exactly was responsible for this choice of funds, and start educating him/her/them about the high fees involved. There are many fine NO-Load fund companies which offer 401k adminstration (T Rowe, Fidelity and Vanguard all come to mind).

That said, for the sake of simplicity (one of your concerns, I believe), I think I would take a look at MCLOX.   Its broadly diversified among both foreign and domestic bonds and stocks.   It represents a complete investment plan on its own.