PortfolioLab · Fee Analysis
Your 401(k) Fee Report
How your fees compare
Where the fees come from
| Component | Annual rate | Annual cost |
|---|---|---|
| Investment fees (fund expense ratios, weighted by your balances) | 0.80% | $2,004 |
| ↳ of which 12b-1 marketing/distribution fees (included above, not added to your total) | 0.14% | $350 |
| Administrative & operational fees | 0.37% | $935 |
| ↳ Recordkeeping (Recordkeeping & participant services) | 0.22% | $550 |
| ↳ Legal & accounting (Plan audit & compliance) | 0.05% | $125 |
| ↳ Trustee/custodial (Trustee and custody services) | 0.08% | $200 |
| ↳ Flat per-participant fee | 0.02% | $60 |
| Total | 1.18% | $2,940 |
Your funds
| Fund | Ticker | Expense ratio | 12b-1 marketing fee | Your balance | Annual cost |
|---|---|---|---|---|---|
| Global Growth Fund A | GGFAX | 1.12% | 0.25% | $95,000 | $1,064 |
| Target Retirement 2045 Fund | TR45X | 0.78% | — | $80,000 | $624 |
| Core Bond Fund | CBFIX | 0.65% | 0.25% | $45,000 | $292 |
| S&P 500 Index Fund | SPIDX | 0.08% | — | $30,000 | $24 |
Other fees noted in your documents
- Loan origination fee (only if a loan is taken)
What fees could cost you over time
Starting from $250,000, assuming a 7% annual return before fees and no new contributions. The comparison column is a hypothetical scenario in which your all-in fee is 25% lower than it is today (0.88% instead of 1.18%) — not an offer or a projection of results we can achieve. Fees compound, which is why the gap grows so fast.
| Horizon | At your current fees (1.18%) | With 25% lower fees (0.88%) | Potential difference |
|---|---|---|---|
| 10 years | $440,342 | $452,727 | $12,385 |
| 20 years | $775,604 | $819,848 | $44,244 |
| 30 years | $1,366,123 | $1,484,671 | $118,548 |
Notes on this analysis
- This is sample data built into the analyzer for demonstration purposes.
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Important disclosures
- This report is an educational estimate generated by automated software, including an artificial-intelligence service that reads the documents you uploaded. It may contain errors or omissions — verify all figures against your plan’s official documents before making any decision.
- This report is not individualized investment advice and is not a recommendation to buy or sell any security or to change your retirement plan, investments, or contributions. It does not consider your complete financial situation.
- Projections are hypothetical, assume a constant 7% annual return before fees with no contributions or withdrawals, and are for illustration only. The reduced-fee column simply applies an arbitrary 25% reduction to your current all-in fee to illustrate how fees compound; it is not an offer, a quote, or a representation that a fee at that level is available to you. They are not predictions or guarantees. Actual results will vary and may be negative. All investing involves risk, including possible loss of principal.
- Benchmark comparisons are approximations based on published industry survey data for plans of similar size.
- Receiving this report does not make you a client of PortfolioLab LLC or create an advisory relationship.
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