Why are pension savings account fees so high?

I created an account for my son and am saving 166,000 won per month for 10 years, equal to 2,000 won.

This time, someone gave me cash instead of a gold ring, so I used that to buy a gold ETF.

But Sajamana is -1.4, so why is the fee so high?

It seems to be an account debt fee, not an ETF fee.