A free analysis from PortfolioLab
What is your 401(k) really costing you?
Most people have no idea what they pay in retirement-plan fees — and even a 1% difference can quietly consume hundreds of thousands of dollars over a career. Upload your plan documents and get a clear, personalized fee report in about a minute.
Upload two documents
Your plan’s annual fee disclosure (the “404(a)(5) notice”) and your most recent account statement. Both are PDFs from your 401(k) portal — the guide below shows exactly where to find them.
We read the fine print
The analyzer extracts every fund’s expense ratio, the 12b-1 marketing fees hiding inside them, and your plan’s administrative fees — recordkeeping, legal & accounting, and trustee/custodial charges — the numbers buried in the footnotes.
Get your fee report
See your all-in cost in real dollars based on your actual balance, how it compares to plans like yours, and what those fees could cost you by retirement.
Analyze my 401(k)
Where do I find these documents?
Good news: these documents almost certainly exist. For employer-sponsored 401(k) plans covered by federal law (ERISA) — which is the vast majority — plans must give participants an annual fee disclosure (the 404(a)(5) notice) and regular account statements at least quarterly. They are typically sitting in your provider’s online portal right now, and if you can’t find them, your HR department or plan administrator can provide copies on request.
The annual fee disclosure — “404(a)(5) notice”
- Log in to your 401(k) provider’s website (Fidelity, Empower, Principal, Vanguard, ADP, Voya… whoever sends you statements).
- Look for a section called Documents, Plan documents, Statements & documents, or Forms & disclosures.
- Find the document named something like “Annual fee disclosure”, “Participant fee disclosure”, “404(a)(5) notice”, or “Fees and expenses disclosure” and download the PDF.
It’s usually a few pages of tables listing every fund with its expense ratio — that’s the one.
Your most recent statement
- On the same website, open Statements (sometimes under Documents or Activity).
- Download the most recent quarterly or monthly statement as a PDF.
It shows your total balance and how it’s split across your funds — both make your report more accurate.
Can’t log in or can’t find them? Email your HR contact or plan administrator and ask for “the plan’s most recent 404(a)(5) participant fee disclosure and my latest account statement.” They’re required by law to provide them.