Reducing fees by 1% can save you more than $301,057

Fight for your funds using our 401(k) "fee checker"

While you can't control the markets, you can control investments costs – and that can make a big difference in your retirement savings. Paying just 1% more in fund & investment fees can cost you hundreds of thousands in savings over your career.

Your provider should have recently sent you a letter regarding your 401(k) fee structure. Take a look at your costs, and then take action to secure a healthier retirement, starting with these two simple steps:

Step 1: Check your fees


Step 2: Tell your employer

Here's a short sample letter that you may use.
Let them know about lower cost options!

Print out a copy

Helpful 401(k) Tips

    Don't forget your old 401(k) that you may have left behind at a previous employer. If the fees are high there, you will want to either:

  • Roll it into your current 401(k) if you have a low-cost plan
  • Roll it into an IRA account
  • Read all tips

    Review your current investment options and associated expense ratios in your 401(k) plan. Lower your fees by selecting the lower expense investment options in each fund category you use (e.g. large capital stock fund, corporate bonds, etc...)

    Selecting the lowest expense funds in your 401(k) account is typically the way to go. As a double check, look at 5 and 10 year returns of the funds in each category and ignore 1 and 3 year returns. Long-term performance will typically align with lower expense funds.