Inactive 401(k) fee review

See what an old 401(k) may really be costing you.

This review is built for former-employer retirement accounts. It helps households compare fund costs, plan-level recordkeeping and administrative fees, and a possible rollover structure without having to reverse-engineer the statement first. Results are illustrative and not a projection of future performance.

Inactive 401(k) calculator

Show what plan drag really costs once the account is sitting still.

Former-employer plans can carry more than one layer of cost: investment management, fund expenses, recordkeeping, and plan administration. This tool compares that stack against a cleaner rollover structure and shows how the drag compounds over time.

Full nameEmailCurrent balanceAnnual contributionYearsGross annual return assumption

Current former plan

Investment / advisory fee %Fund expense ratio %Recordkeeping fee / yearAdministrative fee / year

Target rollover setup

Advisory fee %Fund expense ratio %Custody / platform fee / yearReview type

What this is trying to surface

An inactive 401(k) is not automatically "bad." The point is to show whether the old plan is quietly charging more than it is worth, especially when recordkeeping and administrative fees are layered on top of fund costs. A rollover can also open a much broader investment menu, but broader choice only matters if the total fee stack stays disciplined.

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