Find & Calculate Your 401(k) Fees

Step-by-step instructions 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 the majority of providers hide most of their admin 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. 

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Everything You Need to Uncover Your Provider's Fees

 

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ADP

Required Documents

ADP Compensation and Fee Disclosure Statement



How to Calculate ADP 401(k) Fees

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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 401(k) Fees

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Ascensus

Required Documents

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


How to Calculate Ascensus 401(k) Fees

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Empower

Required Documents

Plan Fee Disclosure for Plan Fiduciaries
TPA Services Agreement


How to Calculate Empower 401(k) Fees

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Fidelity

Required Documents

Statement of Services and Compensation



How to Calculate Fidelity 401(k) Fees

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John Hancock

Required Documents

Updates to 408(b)(2) Disclosure Information
Statement of Assets Report
TPA Services Agreement


How to Calculate John Hancock 401(k) Fees

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MassMutual

Required Documents

MassMutual Disclosure Statement
Plan Service Review
TPA Services Agreement


How to Calculate MassMutual 401(k) Fees

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Nationwide

Required Documents

Nationwide Fee Disclosure
404a-5 Participant Fee Disclosure
Statement of Assets Report


How to Calculate Nationwide 401(k) Fees

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Paychex

Required Documents

Retirement Plan Fee Disclosure
Statement of Assets Report


How to Calculate Paychex 401(k) Fees

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Principal

Required Documents

Retirement Plan Fee Summary



How to Calculate Principal 401(k) Fees

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Vanguard

Required Documents

The Vanguard Group, Inc Disclosure of Services and Fees


How to Calculate Vanguard 401(k) Fees

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VOYA

Required Documents

Summary of Investment Expenses and Indirect Compensation
Statement of Assets Report
TPA Services Agreement

How to Calculate VOYA 401(k) Fees


Want Us to Analyze Your Fees?

Learn how much your provider is really charging you with an in-depth fee comparison. Simply send us a few documents, and within 3-5 business days, you'll receive a detailed report that will show you...

  • How much you're paying all-in, including fees hidden in your fund expense ratios by your provider
  • Investment alternatives to lower your costs without sacrificing performance
  • How much you can save by switching to Employee Fiduciary

 

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