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Find 401(k) Fees

Find & Calculate Your 401(k) Fees

Step-by-step instruction to calculate the fees of 12 major providers - even their hidden fees. 

Hidden 401(k) Fees Are more Common Than You Think

We've analyzed hundreds of small business 401(k) plans over the years, and have found that many 401(k) providers hide most of their administration fees in fund expense ratios through practices such as revenue sharing.

 

The chart below shows what percentage of each provider's fees are represented by these hidden fees. 

 

precentage-of-fees-hidden-in-fund-express

Everything You Need to Uncover Your Provider's Fees

ADP

Required Documents:

 

  • ADP Compensation and Fee Disclosure Statement
  • Latest Monthly Invoice

How to Calculate ADP Fees

American Funds

Required Documents:

 

  • Disclosure of Services and Fees
  • Statement of Assets Report
  • 404a-5 Participant Fee Disclosure
  • TPA Services Agreement (if unbundled)
How to Calculate American Funds Fees

Ascensus

Required Documents:

 

  • Disclosure of Services and Fees
  • Statement of Assets Report
  • TPA Services Agreement (if unbundled)

How to Calculate Ascensus Fees

Empower

Required Documents:

 

  • Plan Fee Disclosure for Plan Fiduciaries
  • TPA Services Agreement


How to Calculate Empower Fees

Fidelity

Required Documents:

 

  • Statement of Services and Compensation

 

 

How to Calculate Fidelity Fees

John Hancock

Required Documents:

 

  • Updates to 408(b)(2) Disclosure Information
  • Statement of Assets Report
  • TPA Services Agreement
How to Calculate John Hancock Fees

MassMutual

Required Documents:

 

  • MassMutual Disclosure Statement
  • Plan Service Review
  • TPA Services Agreement
How to Calculate MassMutual Fees

Nationwide

Required Documents:

 

  • Nationwide Fee Disclosure
  • 404a-5 Participant Fee Disclosure
  • Statement of Assets Report
How to Calculate Nationwide Fees

Paychex

Required Documents:

 

  • Retirement Plan Fee Disclosure
  • Statement of Assets Report
  • Latest Monthly Invoice
How to Calculate Paychex Fees

Principal

Required Documents:

 

  • Retirement Plan Fee Summary

 

 

 

How to Calculate Principal Fees

Vanguard

Required Documents:

 

  • The Vanguard Group, Inc Disclosure of Services and Fees

 

 

How to Calculate Vanguard Fees

VOYA

Required Documents:

 

  • Summary of Investment Expenses and Indirect Compensation
  • Statement of Assets Report
  • TPA Services Agreement
How to Calculate VOYA Fees

Calculate How Much Faster We Can Help You Retire!

To help you maximize your investment returns, we are committed to keeping our 401(k) fees as low as possible. Our low fees help you retire sooner than competitors. Use our 401(k) fee comparison tool to see how much faster.