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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.
ADP
Required Documents:
- ADP Compensation and Fee Disclosure Statement
- Latest Monthly Invoice
American Funds
Required Documents:
- Disclosure of Services and Fees
- Statement of Assets Report
- 404a-5 Participant Fee Disclosure
- TPA Services Agreement (if unbundled)
Ascensus
Required Documents:
- Disclosure of Services and Fees
- Statement of Assets Report
- TPA Services Agreement (if unbundled)
Empower
Required Documents:
- Plan Fee Disclosure for Plan Fiduciaries
- TPA Services Agreement
Fidelity
Required Documents:
- Statement of Services and Compensation
John Hancock
Required Documents:
- Updates to 408(b)(2) Disclosure Information
- Supplemental Information Guide
- Statement of Assets Report
- TPA Services Agreement
MassMutual
Required Documents:
- MassMutual Disclosure Statement
- Plan Service Review
- TPA Services Agreement
Nationwide
Required Documents:
- Nationwide Fee Disclosure
- 404a-5 Participant Fee Disclosure
- Statement of Assets Report
Paychex
Required Documents:
- Retirement Plan Fee Disclosure
- Statement of Assets Report
- Latest Monthly Invoice
Principal
Required Documents:
- Retirement Plan Fee Summary
Vanguard
Required Documents:
- The Vanguard Group, Inc Disclosure of Services and Fees
VOYA
Required Documents:
- Summary of Investment Expenses and Indirect Compensation
- Statement of Assets Report
- TPA Services Agreement