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)

Your name

We’ll use this to follow up with your full report.

1) Annual fee disclosure — the “404(a)(5) notice” (PDF, required)

Drop your PDF here or click to browse

This is where your fund fees, administrative fees, and 12b-1 marketing fees are disclosed. Not sure where it is? See the guide below.

2) Most recent account statement (PDF, required)

Drop your PDF here or click to browse

Your latest quarterly (or monthly) statement — it shows the account balance we use to turn fee percentages into real dollars.

Your documents are sent over an encrypted connection and stored encrypted at rest. We never post them anywhere, and you can ask us to delete them at any time — see our Disclosures & Privacy Policy.

Show me a sample first

Uploading your documents… next we’ll email you a quick verification code, then run the analysis.

Where do I find these documents?

These documents exist — the law requires them. Federal law (ERISA) requires your plan to hand you an annual fee disclosure (the 404(a)(5) notice) and account statements at least quarterly.^* They are sitting in your provider’s online portal right now. And if you can’t find them, your HR department or plan administrator is required to give you copies when you ask — you do not need a reason.

^* Government and church plans, and some solo 401(k)s, are not covered by ERISA and may follow different rules — their documents can be named differently or may not be required at all. If your plan is one of these, ask your plan administrator what they can provide.

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.