Because it’s time to seek financial advice from experts.

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Financial advice to get you back where you belong.

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401(k) Fee Impact Calculator

Calculate Your Fee Impact

The True Cost of Fees Over Time

The impact of fees on retirement savings is often underestimated because the effects compound over time. Even a seemingly small difference in annual fees can result in dramatically different retirement outcomes.

Key Fee Impact Facts:

  • A 1% difference in annual fees can reduce a retirement account balance by 28% over 35 years
  • For a participant making $90,000 annually, high fees can cost $277,000+ in lifetime 401(k) savings
  • Small business employees are disproportionately affected by high fees
  • The impact of fees is most severe for younger participants with longer time horizons

Fee Disparity Example

Small Business Plan with $1M in Assets:

  • Low-cost Provider: 0.40% all-in fee = -$113,000 over 30 years on $100k
  • Investment Firm: 0.60% all-in fee = -$162,000 over 30 years on $100k
  • Payroll Provider: 1.20% all-in fee = -$292,000 over 30 years on $100k
  • Insurance Company: 1.55% all-in fee = -$353,000 over 30 years on $100k

Impact shows the reduction in account balance compared to a hypothetical 0% fee scenario, assuming 7% annual returns before fees.

Your Personalized Recommendations

Use the calculator to see personalized recommendations based on your inputs.

Personal Fee Impact Calculator

5 30 40
4% 7% 10%
0.1% 1.5% 2%
0.1% 0.4% 2%
0% 2% 5%
0% 3% 10%

Results:

With Current Fees (1.5%):

$1,401,749

With Lower Fees (0.4%):

$1,787,546

Your Savings with Lower Fees:

$385,797

This represents the additional retirement savings you could have by reducing your fees.

Fee Impact Visualization

This chart illustrates how different fee levels affect the growth of a $100,000 investment over 30 years, assuming a 7% annual return before fees.

Detailed Year-by-Year Breakdown

Year High Fee Balance Low Fee Balance Difference (Yearly) Cumulative Difference
1$115,695$116,872$1,177$1,177
5$189,629$198,444$8,816$8,816
10$312,389$340,124$27,734$27,734
15$478,882$541,900$63,018$63,018
20$702,961$827,024$124,063$124,063
25$1,002,714$1,227,530$224,816$224,816
30$1,401,749$1,787,546$385,797$385,797

This table shows how the fee difference compounds over time. Even small annual differences accumulate to significant amounts.

Because it’s time to seek financial advice from experts.

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Lead a comfortable life while we take care of your finances.

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Because it’s time to seek financial advice from experts.

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Because it’s time to seek financial advice from experts.

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Don't take our words for it, Hear from our clients

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George Owens

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