AI 401(k) Fee Detector
review fee disclosure documents and fund expense ratios to help identify potential cost-reduction areas (results depend on data provided; some fees embedded in insurance or proprietary products may not be detectable) in your 401(k) plan and see their devastating long-term impact on your retirement savings.
Your Information
Reference ranges (illustrative; varies by plan and provider): total 401(k) plan-level fees commonly fall in the 0.5%-1.5% range (Source: BrightScope/ICI 401(k) Plan Fee Study, latest available). Broad-market index mutual fund/ETF expense ratios commonly range from approximately 0.03%-0.20% (Sources: ICI Fact Book; Morningstar Annual Fund Fee Study).
Enter your information and click Calculate to see your results
How This Calculator Works
Fee Compounding
Calculates how fees compound against your growth over your entire time horizon.
Benchmark Comparison
Compares your fees against low-cost index fund alternatives (0.20% benchmark).
Impact Quantification
Shows the exact dollar amount you lose to excess fees over time.
Tool Methodology & Transparency
AI 401(k) Fee Detector produces educational, assumption-based output from the information you enter. Results may combine deterministic calculations with technology-assisted explanations; they are not forecasts or personalized recommendations.
Review the assumptions and source disclosures shown with each result. A qualified financial professional should evaluate your complete circumstances before you act.
Results are illustrative only and do not constitute personalized investment, tax, or legal advice.
Important Disclosure
This calculator is provided for educational and illustrative purposes only. The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results will vary based on market conditions, taxes, fees, inflation, and other factors not reflected in this calculator. This tool does not constitute personalized financial advice. Consult a qualified financial professional before making any financial decisions.
Brett R. Henderson is a registered representative of Vanderbilt Securities, LLC, Member FINRA/SIPC, and an investment adviser representative of Consolidated Portfolio Review Strategic Wealth Endeavor, Inc. and Vanderbilt Financial Group are separate and unaffiliated entities. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. Not FDIC Insured • Not Bank Guaranteed • May Lose Value.
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