Everything you need to prove your fees are reasonable
FEEDUCIARY benchmarks your 401(k) fees against current market rates for plans your size — producing a defensible record for your fiduciary file.
How It Works
Enter Your Fee Data
Input your plan's total assets, participant count, and fees from your 408(b)(2) disclosure. Takes under 5 minutes.
We Run the Benchmark
FEEDUCIARY classifies your plan by size tier and compares your fees to the low, mid, and high market ranges.
Get Your Report
Receive a clear verdict (below / at / above market) with an estimated savings opportunity and your benchmark details.
Start with recordkeeping
The free Basic report benchmarks your recordkeeping fees — the most common and often the largest single fee component — against current market rates for plans your size.
- Recordkeeping fee benchmark (per-participant + % of assets)
- Plan tier classification (micro → mega, based on assets + participants)
- Benchmark verdict: below / at / above market
- Estimated savings opportunity if fees are above market
- Benchmark gauge visualization
- Unlimited report history
- Secure account with Supabase-backed data isolation
- ERISA disclaimer included with every report
Full-scope benchmarking
PRO benchmarks every fee component your plan pays — giving you a complete picture of your plan's total cost and a downloadable report for your fiduciary documentation file.
- Everything in Basic
- Advisor fee benchmark
- TPA (Third Party Administrator) fee benchmark
- Audit fee benchmark
- Fund expense ratio analysis
- Total all-in fee analysis (recordkeeping + advisor + TPA + audit + fund costs)
- Branded downloadable PDF report — formatted for your fiduciary file
- Priority email support
Downloadable PDF Report
Every PRO report includes a one-click PDF download — formatted with your plan name, benchmark data, per-component verdicts, and ERISA disclaimer. Ready to attach to your fiduciary file or meeting minutes.
A PDF report built for your fiduciary file
ERISA requires plan sponsors to document their fee review process. The PRO PDF report gives you a timestamped, formatted record of your benchmark that can be attached directly to your investment committee minutes or plan fiduciary file — no reformatting needed.
- Plan name, EIN, and plan year on every page
- Per-component fee breakdown with market ranges
- Individual verdict for each fee category
- Estimated savings opportunities highlighted
- ERISA reasonableness disclaimer included
- FEEDUCIARY branding for professional presentation
Acme Corp 401(k) Plan
Plan Year Ending December 31, 2024 · PRO Report
Above Market — Action Recommended
Estimated savings: $22,500/year
| Component | Annual | Verdict |
|---|---|---|
| Recordkeeping | $18,750 | above |
| Advisor | $12,500 | at market |
| TPA | $4,200 | below |
| Fund Expenses | $9,800 | at market |
| Total All-In | $45,250 | above |
For informational purposes only. Not legal or fiduciary advice.
Feature Comparison
| Feature | Basic | PRO |
|---|---|---|
| Recordkeeping fee benchmark | ||
| Advisor fee benchmark | — | |
| TPA fee benchmark | — | |
| Audit fee benchmark | — | |
| Fund expense ratio analysis | — | |
| Total all-in fee analysis | — | |
| Benchmark gauge visualization | ||
| Estimated savings opportunity | ||
| Report history | ||
| Downloadable PDF report | — | |
| Priority email support | — | |
| Start Free | Get PRO |
Built for fiduciary-grade security
Your plan data — including EIN and fee details — is sensitive. We treat it that way.
Row-Level Security
Database-enforced isolation: you can only access your own data, even if a bug exists in our application layer.
EIN Never Exposed
Your Employer Identification Number is stored encrypted, never in URLs, and never logged.
Private Document Storage
Uploaded fee disclosures and generated reports are stored in private, authenticated-access-only buckets.
Benchmarks calibrated to your plan size
A 25-person plan should not be compared to a 5,000-person plan. Our proprietary benchmark model segments plans across seven asset tiers — so your fees are always evaluated against plans that look like yours.
Plan size matters
Fees that are perfectly reasonable for a $50M plan may be excessive for a $5M plan. FEEDUCIARY automatically classifies your plan and applies the right benchmark.
Average account balance
Our AAB v2 model accounts for average account balance — the key metric that connects per-participant pricing to percentage-of-assets pricing in a single score.
Multi-source data
Benchmarks are derived from transparent provider rate cards, DOL Form 5500 aggregate studies, and independent industry research — not a single source.
Benchmark data sourced from 20+ providers and four independent industry studies. Updated annually.
Start your first fee benchmark today
The Basic report is free. No credit card. No consultant needed. See where your plan stands in under 10 minutes.
Create Free Account